Epic Contributor
Posts: 25,182
Registered: ‎03-19-2007
Re: Authorized user. Wll it help?

My view....

AU is an excellent way to take benefit from the credit history of another in the building stage.

Many lower-end credit apps rely heavily, and some exclusively, on FICO score, so the AU part of your history might not receive much scrutiny.


However, as you move up in the type and level of credit being applied for, manual reviews become of increasing importance.

When your score is based to a large degree on the history of another, it makes it increasingly difficult for a potential creditor to evaluate your own, personal credit risk based on your FICO score.  They have no way, if they so desire, to produce a FICO score based only on your own account history.


Just anticipate the AU to loose some of its impact within the overall approval process.