Additonally, dont assume that creditors will view her score as a "normal" score should they do a review of her CR.
Having a favorable account of another included in one's scoring can produce or boost a score, and if a credtior relies only on a review of score in their decision making, it can be a huge plus in obtaining new credit. Great for building or rebuilding, where lower amounts of credit are being sought, and thus the creditor may not invest the time and expense to do a more thorough review.
However, as one moves up the credit ladder, apps for higher amounts of credit often lead to a more thorough review.
A creditor, seeing an AU in a CR, is automatically informed that the score is not representative of only that consumer's credit history.
They have no way to back out the impact of the AU account and produce a score based only on that consumer's actual history.
Thus, it could put into question the value of the score in their decision making.
If the AU is the only TL and they do a manual review, the score is of little practical use.
Once past a building or rebuilding stage, one might consider removing AUs from their reports and scoring.
A good strategy might be for her to use the AU score to app for secured cards, build her own history, and then wein from the AU prior to seeking the biggies.
