Speaking of AU's

[gdtobefree]

How much does a score go up when it is added to your file?

Let's say, the account has been open since 2004 and has never had a late, if it is added to my file would I gain from it.

Now lets turn this question around, lets say I had 1-2 accounts opened since 06 with no lates and I added someone who had a chap 7 in 07 would that erson gain from it? If so roughly how much.

[llecs]

It would depend on several things like overall util, overall age, balance, etc. for all accounts. However, it is a moot point as AU accounts will no longer count towards FICO scoring come sometime this year.

[gdtobefree]

dag nabbit, just as I think I find a way it gets swooped out from under me LOL