Understanding FICO® Scoring

[pinkiwinki]

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

[ilovepizza]

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.

[fused]

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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.

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

[ilovepizza]

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fused111 wrote:

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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.

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

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Co- Authorized Users (AU)

[Tuscani]

Welcome.. Please read the Scoring 101 thread:

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654

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