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sarkell
Frequent Contributor
‎03-10-2013 08:42 AM
‎03-10-2013 08:42 AM

authorized user

My hubby is adding me too his bank of america as au he was has no late payments and 5000cl will this help my score and my chances of getting approved for one in 6 months or so?  He never uses it has low util 10% maybe and pif every month.

Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP
Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720

Take the myFICO Fitness Challenge
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zerobacan
Established Contributor
‎03-10-2013 09:02 AM
‎03-10-2013 09:02 AM

Re: authorized user

Yes it will. AU are great when your history and CL is limited.

 

 

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
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jamesdwi
Valued Contributor
‎03-10-2013 09:29 AM
‎03-10-2013 09:29 AM

Re: authorized user

Yes it will help, and also get you on there radar, since they will most likely SP your credit a few times after you get the AU reporting. Added my son to my CapOne cards and he got a pre-selected offer from CapOne a couple months later, he had no score and no credit at the time, fast forward 7 months, he has CapOne, Discover, Chase Freedom, Target redcard (he got a higher limit than me), AMEX Gold PRG (sitting in a safe deposit box will close when the AF hits, got it to get a member since date income is too low to make an AF worth it). 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
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sarkell
Frequent Contributor
‎03-10-2013 12:17 PM
‎03-10-2013 12:17 PM

Re: authorized user

Good to know. Well now I just need to be patient and wait. By the time October rolls around newest account will be 9 months should be in good shape to get something more prime.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP
Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720

Take the myFICO Fitness Challenge
Message 4 of 4
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