authorized user on amex

[zyzzus]

Moms got approved for bce the other day and my theory is that it would help my internal score with them if I was an authorized user.

Does that impact my aaoa?

[Revelate]

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@zyzzus wrote:
Moms got approved for bce the other day and my theory is that it would help my internal score with them if I was an authorized user.

Does that impact my aaoa?

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It may help, and yes it will hit your AAoA the same as any new tradeline.

Personally unless I were willing to take an inquiry now and risk a denial taking a swing at my own account, I'd do it anyway if I were you to establish a member since data for future Amex backdating goodness assuming Amex is a lender you have any interest in between now and well, the rest of our lives.

[Kenny]

Wouldn't be a bad idea just so that you can get the backdating at some point!

[ezdoesit]

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@KennyS2006 wrote:

Wouldn't be a bad idea just so that you can get the backdating at some point!

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What wouldn't be a bad idea applying for his own account or being an AU?

[Kenny]

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@ezdoesit wrote:

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@KennyS2006 wrote:

Wouldn't be a bad idea just so that you can get the backdating at some point!

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What wouldn't be a bad idea applying for his own account or being an AU?

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AU.. lol sorry I wasn't clear.

[k-s]

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@zyzzus wrote:
Moms got approved for bce the other day and my theory is that it would help my internal score with them if I was an authorized user.

Does that impact my aaoa?

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Becoming an AU on my fiance's new AMEX TrueEarnings got me a preapproval letter and two approved AMEX accounts ($2000 and $10,000 limits) within 6 months. I would highly recommend getting on their radar as soon as you can as long as your Mom is a responsible buyer and will pay on time and not carry a large balance. AMEX seems to love getting a peek at your soft pulls every month before they commit to you.

[audia4]

I added my husband and my son as an AU on my $10k Amex and it already bumped my husbands scores in just 2 months. Definitely do it.

[zyzzus]

Well this rezoundingly sounds like a good idea.  I was concerned about  my AAOA initially but thinking about it once I have my own card with the member date established from the ACM it should mitigate the impact (I also imagine if I am no longer an ACM the tradeline would be removed?)

Forgive my ignorance on AU I am assuming that it would not be a credit inquiry. 

This would also give Amex a view into my credit profile hopefully prompting them to look upon me more favorably? 

Thanks for all of the replies looks like I'll add myself this evening.

[Creditaddict]

I would apply on your own... if denied... then get added as AU.

[zyzzus]

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@Creditaddict wrote:

I would apply on your own... if denied... then get added as AU.

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I was dinied once in January and then once again in may.  I planned to wait untill January to apply again.