I'm thinking about asking my Dad to list me as an AU on one maybe two of his 12-15 years old CC accounts to help my AAoA. I DON'T want the card and its doubtful that he'd allow me possession of it anyways but before asking him to do this I want to make sure that I can make a pretty convincing case to him to help me out on this. Him and I have just recently (a little over a year ago) mended our relationship. Until last year, I haven't spoken to him in 13 years. So to say he's a little bit of a selfish person is an understatement but his credit is great.(FICO 812!) So I want to explain to him what I'd like for him to do for me but I'm sure he's going to be skeptical about this not damaging his credit.
? If he adds me as an AU, does it have any affect on his credit at all especially if I don't have access to the card?
? He's a big spender but pays his bills on time always, will his high CC utilization negatively affect my scores?
? I've already learned that if he messed up and missed a payment that it could hurt my scores but how hard would it be to get CRA to correct this since I'd only be an AU and not responsible for the debt?
I guess that's all I really want to know, but if you guys have any "convincing arguments" that you feel might help me talk him into this feel free to chime in.
Thanks