Mega Contributor
RobertEG
Posts: 18,422
Registered: ‎03-19-2007
Re: Authorized Users and Credit Scoring?

I am not keen on adding AUs for a more practical reason.

Everything else related to FICO scoring isolates your scoring to your own personal management of credit.  That even includes no merging of scoring based on marriage.

AUs are the exception. 

Aside from the actual scoring inflation, when a creditor is considering an app for credit based on inclusion of the history of another in your scoring, how are they to use your score should they want to determine your actual payment risk?  Not having their own FICO algorithm, they cant.

They have no way of separating your contribution in the score from the joint scoring with the AU history, other than a guesstimate.

It thus, at least in my opinion, may result in their discounting of your entire FICO score in their decision making.