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?? Amex, Joint vs Authorized, Fico08

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dtcfico
New Visitor

?? Amex, Joint vs Authorized, Fico08

Hello, I just recently got married and am trying to figure out what to do with all the credit cards that my wife and I have separately. I've heard that under Fico08, Authorized Users are a bad thing - Joint Accounts are a good thing. One of my cards is an American Express Plat Cash Rebate card. Amex says that they don't do Joint Accounts, only Authorized Users. Is this the case? If I make my wife an Authorized User, won't that hurt her score in Fico08? What are other Amex Users doing?

Message Edited by dtcfico on 08-19-2007 02:35 PM
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fused
Moderator Emeritus

Re: ?? Amex, Joint vs Authorized, Fico08

You're correct Amex does not underwrite joint accounts. As for AUs and FICO2008 this is a good read.
 
 
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