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Understanding FICO® Scoring

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pinkiwinki
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pinkiwinki
Posts: 1
Registered: ‎08-08-2007
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Hi! I have a question, somebody told me one day, that my...
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‎08-08-2007 07:57 PM

Hi! I have a question, somebody told me one day, that my wife will have my same score because for all my credit cards I authorized her I card, we are waiting for her social so I was telling her that we need to start building her credit then that was the person a mencionate before says, I would like to know if anybody have knowlegde of this.
 
pinkiwinki
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ilovepizza
Posts: 3,071
Registered: ‎05-17-2007
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‎08-09-2007 11:28 AM

Definitely some truth to that. They are changing that soon. It is important for her to start her own credit history because with in months the AU, co-card holders will no longer be counted towards FICO credit scores.
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
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fused
Posts: 16,382
Registered: ‎03-12-2007
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Re: Hi! I have a question, somebody told me one day, that my...
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‎08-09-2007 01:12 PM


ilovepizza wrote:
Definitely some truth to that. They are changing that soon. It is important for her to start her own credit history because with in months the AU, co-card holders will no longer be counted towards FICO credit scores.

"Co-Card Holders"? Do you mean joint?
Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
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ilovepizza
Posts: 3,071
Registered: ‎05-17-2007
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Re: Hi! I have a question, somebody told me one day, that my...
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‎08-09-2007 01:55 PM


fused111 wrote:






ilovepizza wrote:
Definitely some truth to that. They are changing that soon. It is important for her to start her own credit history because with in months the AU, co-card holders will no longer be counted towards FICO credit scores.




"Co-Card Holders"? Do you mean joint?




Co- Authorized Users (AU)
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
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Tuscani
Posts: 6,182
Registered: ‎03-29-2007
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‎08-10-2007 07:41 PM

 
PS... your scores\files will never merge into one if that is what you are thinking.
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