authorized user revisited with average age of accounts

[Fico2Go]

I am considering asking a good friend to add me as an authorized user on his 20+ year account with perfect payment history.  

I understand AU accounts don't count much and some creditors ignore the AU tradelines competely when factoring their formula for approval.   However there is one element that isn't visible to underwriting and is often not associated to any particular account.  It's the AAoA.    

All else ignored Would the AU account aid in creating a better AAoA?   If so this may be the final chance for the little guy to start or rebuild credit.  

[Creditaddict]

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@Fico2Go wrote:

I am considering asking a good friend to add me as an authorized user on his 20+ year account with perfect payment history.  

I understand AU accounts don't count much and some creditors ignore the AU tradelines competely when factoring their formula for approval.   However there is one element that isn't visible to underwriting and is often not associated to any particular account.  It's the AAoA.    

All else ignored Would the AU account aid in creating a better AAoA?   If so this may be the final chance for the little guy to start or rebuild credit.  

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Rebuild... you have 2 Amex Cards!!

[09Lexie]

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@Fico2Go wrote:

I am considering asking a good friend to add me as an authorized user on his 20+ year account with perfect payment history.  

I understand AU accounts don't count much and some creditors ignore the AU tradelines competely when factoring their formula for approval.   However there is one element that isn't visible to underwriting and is often not associated to any particular account.  It's the AAoA.    

All else ignored Would the AU account aid in creating a better AAoA?   If so this may be the final chance for the little guy to start or rebuild credit.  

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AAOA counts as 10% of your FICO.  Those same lenders that have algorithms set to discount AU trade lines would probably include the added AAOA. Just my opinion