Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
Re: Authorized Users and Credit Scoring?

anh2lua wrote:

I am still confused.


So, if my wife added me to her AMEX CC as AU.  Her credit limit is 10k and she max it out.  Will that impact my credit score as well? 

Yes.   It will be factored into your AAoA and her previous payment history will be on your report as well.


If it is a Charge Card the balance is only factored into %util on the TU98 FICO version ( MyFICO ), it is ignored by other FICO versions.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX