So, I thought it'd be a good idea to add myself as an AU on my hubby's CC account. We're both rebuilding, so the CC is only 23 months old and $500 limit, but I thought having 2 CCs would look better than one. However, I am concerned about my average age of accounts. I am currently at 6 years. (5. 895 to be exact but FICO says 6). Being added to this account would lower my AAofA to 5.66 or 5 years. I'm not sure if I'll see much of a decrease by losing a year or if having 2 open CCs matters. Which is more important?
If you only have one CC right now then I'd go ahead and get added as an AU. FICO scoring usually likes to see 2 or 3 open revolving accounts.
Yep you can always get removed. My guess ( and this is just speculation ) is that it will help your FICO score.