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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Re: Hi! I have a question, somebody told me one day, that my...

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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: 16,373
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 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

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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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Re: Hi! I have a question, somebody told me one day, that my...

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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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myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

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