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New Member
B4TheDawn
Posts: 6
Registered: ‎09-02-2007

Finding Authorized Users

Greetings All:
 
Other than personal friends, how do you find someone willing to let you become an authorized user on their account to raise your scores?
I need to get my house back quick and in a hurry. I pay all my bills on time, but damage done by others is taking me down.
Please advise. Thanx to all.
Moderator Emeritus
HappyDays
Posts: 7,326
Registered: ‎06-18-2007

Re: Finding Authorized Users

Usually you find family members. Right now one of the CRA (EX I think) is not counting AU accounts in scoring.  It can also take 30 - 90 days until an account shows on CR
Super Contributor
MidnightVoice
Posts: 8,158
Registered: ‎03-25-2007

Re: Finding Authorized Users



HappyDays wrote:
Usually you find family members. Right now one of the CRA (EX I think) is not counting AU accounts in scoring.  It can also take 30 - 90 days until an account shows on CR



Is that really true?
 
How long has that been going on?
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emeritus
HappyDays
Posts: 7,326
Registered: ‎06-18-2007

Re: Finding Authorized Users

Hey MV   I am going by what is on credit in the news and what I have been told by 2 mortgage brokers
 
 
I was told that brokers are just starting to see lower scores from EX and that they all have AU on their CR. Some are little drops and many are big hits. Brokers also said that they do not see it with everyone.
 
This is just starting. I don't know how EX is doing it because I have no idea if it comes into play all at once or over a period of time.
 
 
Super Contributor
MidnightVoice
Posts: 8,158
Registered: ‎03-25-2007

Re: Finding Authorized Users

Ta
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Super Contributor
marty56
Posts: 5,679
Registered: ‎10-06-2007

Re: Finding Authorized Users

[ Edited ]
I know TU had been playing with FICO08 a few months back since I called them up about a problem and the CSR mentioned it to me.


Message Edited by marty56 on 07-06-2008 06:30 PM
09/12/2013 FICO: EQ: 772 EX:813 TU:752
Established Contributor
GFer
Posts: 978
Registered: ‎04-01-2008

Re: Finding Authorized Users

I think it's true, because about a month ago (before my app spree and no changes in the midst) I took a 12 point decrease. I had been an au on one of my daughters accounts. I had her remove me because she kept her utility too high, but because of slow reporting it was still on there.
 
I'm a believer.


1/28/14 EQ 817, (6/30/14)EX 821, TU 817 on 6/13/2014

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Frequent Contributor
AlishaR
Posts: 358
Registered: ‎12-23-2007

Re: Finding Authorized Users

mmm maybe that's why my ex only went up 14points last month but my eq went up 38?!? Without counting the AU account, my history is SHOT and it lowers my cl by 2500.. crap
7/3/08- EQ= 642
UTIL=98% (12/07) 87%((4/08)-41%(5/08)-29%(06/08) GOAL- >9% by 12/08

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