04-02-2013 09:40 PM
04-02-2013 09:43 PM - edited 04-02-2013 09:45 PM
All he has to do is add your name as an AU only to report on your CR. He doesn't need to get or give you a card to do that.
It will have 0 impact on his score and or credit.
It will help you unless he lets those high balances report to the CRAs. I find it unlikely since he has an 812.
If he messed up and got a late payment it would not be up to the CRAs to fix. You would need to be removed as AU by him calling and removing you.
04-02-2013 09:50 PM
04-02-2013 10:03 PM
04-02-2013 10:06 PM
04-02-2013 11:14 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.