https://ficoforums.myfico.com/t5/Credit-Cards/Adding-an-Authorized-User/m-p/245014#M82683 <DIV>no AU isn't resposiable to pay the bill so no credit, now if want add her to account and make it a joint account that would take a credit check</DIV> Thu, 22 May 2008 17:51:55 GMT Anonymous 2008-05-22T17:51:55Z https://ficoforums.myfico.com/t5/Credit-Cards/Adding-an-Authorized-User/m-p/245004#M82681 <DIV>I have a question. My wife wants to add me on her Sears card. I was wondering if this would hit my FICO reports with hard pull?</DIV> Thu, 22 May 2008 17:43:19 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Adding-an-Authorized-User/m-p/245004#M82681 Anonymous 2008-05-22T17:43:19Z https://ficoforums.myfico.com/t5/Credit-Cards/Adding-an-Authorized-User/m-p/245014#M82683 <DIV>no AU isn't resposiable to pay the bill so no credit, now if want add her to account and make it a joint account that would take a credit check</DIV> Thu, 22 May 2008 17:51:55 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Adding-an-Authorized-User/m-p/245014#M82683 Anonymous 2008-05-22T17:51:55Z https://ficoforums.myfico.com/t5/Credit-Cards/Adding-an-Authorized-User/m-p/245058#M82692 <DIV>The account is in good standing with a low utilization. Would adding me as an authorized user help my score? And I pay the bill anyway.</DIV> Thu, 22 May 2008 18:33:26 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Adding-an-Authorized-User/m-p/245058#M82692 Anonymous 2008-05-22T18:33:26Z https://ficoforums.myfico.com/t5/Credit-Cards/Adding-an-Authorized-User/m-p/245413#M82832 <DIV></DIV> <DIV><BR /> <BLOCKQUOTE> <DIV> <HR /> kraig wrote:<BR /> <DIV>The account is in good standing with a low utilization. Would adding me as an authorized user help my score? And I pay the bill anyway.</DIV><BR /> <HR /> </DIV></BLOCKQUOTE> <DIV>Many variables come into play to determine whether it would help or hurt your score.</DIV> <DIV>&nbsp;</DIV> <DIV>What is your current average age of accounts (not counting the Sears card)?</DIV> <DIV>What is your current revolving utilization percentage?</DIV> <DIV>How long ago was the Sears card opened?</DIV> <DIV>What is the utilization on the Sears card?</DIV> <DIV>Does the Sears card have any late payments reporting (even if they were long ago)?</DIV> <DIV>&nbsp;</DIV></DIV> Thu, 22 May 2008 23:28:20 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Adding-an-Authorized-User/m-p/245413#M82832 Anonymous 2008-05-22T23:28:20Z