Adding Mom as an AU

[Anonymous]

Hey Everybody,

Here I am today with my mother asking to be placed as an AU on my accounts. I don’t mind doing it, I told her I won’t allow her to actually use the cards and she was fine with that as she just wanted help in fixing her credit. When I got her permission to enter her info on Credit Karma she is in worst shape then I would have thought. She has over 20 late payments and 3 Collections totally 2,500. Will adding her as an AU really help? She hasn't had a cc for about 4-5 years. Thanks Guys!

Edit: Shared a bit too much....so long story short

[pizzadude]

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@Anonymous wrote:

Hey Everybody,

Here I am today with my mother asking to be placed as an AU on my accounts. I don’t mind doing it, I told her I won’t allow her to actually use the cards and she was fine with that as she just wanted help in fixing her credit. When I got her permission to enter her info on Credit Karma she is in worst shape then I would have thought. She has over 20 late payments and 3 Collections totally 2,500. Will adding her as an AU really help? She hasn't had a cc for about 4-5 years. Thanks Guys!

Edit: Shared a bit too much....so long story short

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Getting an open revolving account on her reports should help somewhat even as an AU, as FICO likes to see several open revolving accounts.

However the newest FICO score models ( FICO08 and newer ) don't always factor in AU accounts so you won't see much impact on those score models.

[jamesdwi]

Yes it may help, especially if you have a CapOne that is in good standing, adding that to her report will put her on their radar and will quite possibly get her an pre-selected invite in a few months. 

Remeber that paying off debt is not the way to fix a credit report, either get an agreement to PFD, or let it age off in its own time, unless she is AP'ing for a house and/or car loan. Paid debt doesn't help FICO scores. 

Write good will letters to get lates removed. 

[Anonymous]

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@Anonymous wrote:

Hey Everybody,

Here I am today with my mother asking to be placed as an AU on my accounts. I don’t mind doing it, I told her I won’t allow her to actually use the cards and she was fine with that as she just wanted help in fixing her credit. When I got her permission to enter her info on Credit Karma she is in worst shape then I would have thought. She has over 20 late payments and 3 Collections totally 2,500. Will adding her as an AU really help? She hasn't had a cc for about 4-5 years. Thanks Guys!

Edit: Shared a bit too much....so long story short

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Put her under your one of your Amex account. 

1. She will have an independent account

2. You are allowed to set spending limits for her. You could put $100/month or less. 

3. If she is not being responsible, Amex could chase after her. So, make her worry about something at least. 

[Anonymous]

I want to do the exact same thing. I want to add my mom as an AU in my AMEX ED card, but she has a few baddies on her report. It may sound like a stupid question. but would that affect me and my credit in any way? 

[gdale6]

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@Anonymous wrote:

I want to do the exact same thing. I want to add my mom as an AU in my AMEX ED card, but she has a few baddies on her report. It may sound like a stupid question. but would that affect me and my credit in any way? 

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Her credit wont affect yours in any way, what she does with the AU card will unless you dont plan on giving her the card itself.