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I'm trying to increase my husbands score and he is AU on a bunch of my cards, would it be best to not be AU so it's not on his report? Or should I AU him to all my cards?
@nursepower wrote:I'm trying to increase my husbands score and he is AU on a bunch of my cards, would it be best to not be AU so it's not on his report? Or should I AU him to all my cards?
I would be having him get his own cards, AU only goes so far and a lot of lenders dont even give AU accounts credence when one apps for credit. One typically only becomes an AU on a few choice older cards that have little utilization on them. If they dont report I would not bother making him an AU unless he actually needs to use the cards to buy something when you are not with him.
@gdale6 wrote:
@nursepower wrote:I'm trying to increase my husbands score and he is AU on a bunch of my cards, would it be best to not be AU so it's not on his report? Or should I AU him to all my cards?
I would be having him get his own cards, AU only goes so far and a lot of lenders dont even give AU accounts credence when one apps for credit. One typically only becomes an AU on a few choice older cards that have little utilization on them. If they dont report I would not bother making him an AU unless he actually needs to use the cards to buy something when you are not with him.
I agree. From my personal experience, I am AU and have no CCs on my own until recently. Today I was approved for Chase Freedom and denied for Disc IT due to lack of CLs. Being a AU helped boost my score from 590s to 600s in the past 3 years.
He should be an AU on one or two of your oldest accounts with decent limits. But don't AU him on all accounts. AU only factors into some credit modules.