Mega Contributor
RobertEG
Posts: 18,445
Registered: ‎03-19-2007
Re: Authorized User - Does This Still Work?

Regardless of whether they ask for removal, they realize that they score they receive is not a score representing the consumer's actual credit history.

Having no way to block the credit history of the other party from the scoring, they cannot produce a score that is representative of the credit history only of the consumer.

 

They may thus choose to discount the affect of the score in their decision making.

If the boost provided by the AU is not substantial, the consumer might be better served by getting the AU status removed when apping for higher principal credit where a manual review is almost certain.