What is your best "Fico Educated" guess for this...

[billyboo]

For my wife who is a Authorized User on my CC (with current 10% utilization)  $4,000 CL - opened for 6 years.

No other financial history, etc.

What guess would her Fico Score be?

Just wondering...

[llecs]

Guesstimate? If the CC was under 9% of the CL, and this TL is free of any derogs or comments than can impact FICO, and assuming there are ZERO TLs reporting, then I'd guess a 690, give or take 20.

[pakman92]

my guess is 640

[Revelate]

Like ilecs I suspect it's in the ballpark of 700; however, AU's are funny beasts anyway, she should start getting her own credit profile established now, even if it's with just a pair of toy limit cards which rarely get used.

[crunching_numbers]

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@Revelate wrote:

Like ilecs I suspect it's in the ballpark of 700; however, AU's are funny beasts anyway, she should start getting her own credit profile established now, even if it's with just a pair of toy limit cards which rarely get used.

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I would think maybe try for a Walmart card. Its a GE, and they are a good starter card, and you will get a free TU08 FICO score to go with it so you will know her FICO as well.