https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-long-to-generate-a-score/m-p/4494859#M106460 keep in mind, also, that the score with only AU cards will be inflated so if manual underwriting is involved then approval limits will still be lower Sat, 12 Mar 2016 21:48:21 GMT Anonymous 2016-03-12T21:48:21Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-long-to-generate-a-score/m-p/4494793#M106458 I added my 20 year old brother as an AU on my Marriott, BofA and Venture. He only has the card to one. BofA has been open since 1/15, Venture 12/15, Marriott 2/16. I added him because he has ZERO ZIP ZILCH credit history, not even student loans since he's on 100% scholarship. He doesn't need credit right now but most likely will soon after he graduates. Before I added him we tried to check his scores on CK and they couldn't even find him because he had nothing in his name. How long after adding him as an AU can he expect to see his score generated? I plan to keep these cards open long term, so by the time he needs to apply for anything, I reckon there would be decent history. Sat, 12 Mar 2016 20:47:16 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-long-to-generate-a-score/m-p/4494793#M106458 icyhot 2016-03-12T20:47:16Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-long-to-generate-a-score/m-p/4494799#M106459 <P>It takes 6 months of history on at least 1 card to generate a Fico score and that is if the AUs will factor in. Its best he get at least one card that is his own.</P> Sat, 12 Mar 2016 20:53:51 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-long-to-generate-a-score/m-p/4494799#M106459 gdale6 2016-03-12T20:53:51Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-long-to-generate-a-score/m-p/4494859#M106460 keep in mind, also, that the score with only AU cards will be inflated so if manual underwriting is involved then approval limits will still be lower Sat, 12 Mar 2016 21:48:21 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-long-to-generate-a-score/m-p/4494859#M106460 Anonymous 2016-03-12T21:48:21Z