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AUTHORIZED USER AND AVAILABLE CREDIT

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senseidab
New Contributor

AUTHORIZED USER AND AVAILABLE CREDIT

Can someone please advise me if FICO SCORE report the available credit from AU account.  I was just added as a user for a 25,000 account.   Will that   25,000 calculate into my available credit ?         TY

Message 1 of 4
3 REPLIES 3
Hokies2379
Established Contributor

Re: AUTHORIZED USER AND AVAILABLE CREDIT

Yes, once it reports, it will factor into your utilization.

Message 2 of 4
senseidab
New Contributor

Re: AUTHORIZED USER AND AVAILABLE CREDIT

I can see that TU EQ EX  on there repecgtive site are all reporting it as UTILIZATION  But MYFICOis not calculating it as UTILIZATION  anyone else with experience  TY

Message 3 of 4
takeshi74
Senior Contributor

Re: AUTHORIZED USER AND AVAILABLE CREDIT

You can't rely on anecdotal evidence.  It will factor in in some cases.  However, the FICO models in some cases will not factor in such accounts to prevent piggybacking.  We don't have the details on how FICO determines this.

 

Accounts where one is an AU are not always considered anyway so don't rely on being an AU.

Message 4 of 4
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