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As said before, I am brand new to the credit world and only have a Kay jewlers reporting as of 12/13, 2 cap 1 cards not reporting yet, I got them in 11/13.
I know it takes 6 months for fico to generate a score so I was wondering my mom has a Von Maur account that has excellant history for 2 years but only a $250 limit.
Would her adding me as a authorize user give me instant 2 year credit history or does it show date when I become a AU and will it look good or would it hurt me being such a low limit card?
My highest limit is the Cap 1 $500
@crystal0920 wrote:As said before, I am brand new to the credit world and only have a Kay jewlers reporting as of 12/13, 2 cap 1 cards not reporting yet, I got them in 11/13.
I know it takes 6 months for fico to generate a score so I was wondering my mom has a Von Maur account that has excellant history for 2 years but only a $250 limit.
Would her adding me as a authorize user give me instant 2 year credit history or does it show date when I become a AU and will it look good or would it hurt me being such a low limit card?
My highest limit is the Cap 1 $500
If it has perfect history, and she doesn't carry a blance, then it will help.