llecs wrote:
If I had to choose, I'd be an AU over a joint user. If anything went south, then I could remove my self easily. As a joint user, you can't do that. Score-wise, there is no difference per FICO. Under a manual review, there should be no difference, though I am not sure how they'd look at it in terms of DTI. I suppose more favorable than a joint user.
You should have been added as a joint user if your name was on the app at the very day they applied for it. You cannot be added as a joint user after the app was submitted.
I don't think this is true. I was added as a joint on a Chase card three months ago, I had to fill out an application just like if I was going to be getting a new card under my own name. They placed a hard inquiry on my file. At that point, my AU was changed to Joint on the CRAs file, and the statements now come in both of our names.
-scott
Edited for horrible grammar.
Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander ReposessionStill Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
