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Senior Contributor
Sylviatob
Posts: 4,596
Registered: ‎09-14-2007

Adding an AU to your cc

I know that if you have awful credit scores and you are added as an AU to someone who has good credit can help your scores. But is the opposite true as well?

If I add someone who has horrible credit to one of my cc's, will MY scores go down?

(just musing on a chilly, sunny Texas afternoon)
"Never ever, ever be late. Never" (FUTR)
Moderator Emeritus
masdeocho
Posts: 2,050
Registered: ‎04-17-2007

Re: Adding an AU to your cc



Sylviatob wrote:
I know that if you have awful credit scores and you are added as an AU to someone who has good credit can help your scores. But is the opposite true as well?

If I add someone who has horrible credit to one of my cc's, will MY scores go down?

(just musing on a chilly, sunny Texas afternoon)

No.  The AU inherits the history only of the account to which they are added.  The cardholder is not affected by the AU's other credit.
 
Otherwise, there would be no market for those scummy piggy-backing companies. 
-----------------
Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
Senior Contributor
Sylviatob
Posts: 4,596
Registered: ‎09-14-2007

Re: Adding an AU to your cc

Makes sense! Thanks for the comment. :smileyhappy:
"Never ever, ever be late. Never" (FUTR)

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