Has your scores increased being an AU here's my question.

[luckelle]

I have 8 credit building level cards in 2 months. i took a big hit, no.....HUGE hit in average age from 12yrs to 1month. My friend has just added me to her citi bank card 11yrs old and Home Depot card 10 yrs old. What i am requesting, is there members on here that recieved a good bump in scores due to being an AU resulting in AA increase and/or noticable score increase. Im gardening for the required period of time to age my account as these TL hit my account. I dont want to tackle any other things on my account until my CR adjustments are shown. Thanks in advance...

[Anonymous]

Being an AU can help your scores but it depends on several things besides the age of the account. What it the UTI for the AU accounts and are there any derogatory info on them? AAoA is only 15% of the score, UTI and payment history are about 30-35% of the score. So an older account that has high UTI or several lates won't help your scores and can actually hurt them.

[luckelle]

Thank you, I get that part. the balance on the authorized cards are below 2-3% at anytime. Her CL on them are 10,000 and she is never ever late on them. As a matter of fact she likes cash more, so no worries there.