topic Re: To add myself as a AU in Understanding FICO® Scoring

To add myself as a AU

kugel — Mon, 11 Jul 2016 20:57:21 GMT

If I add my self to my wife's cc it has a high limit and positive zero balance can this boos my score ?
Will Thai effect my AAOA or if it's a 3 years old it's ok ?

Re: To add myself as a AU

newhis — Mon, 11 Jul 2016 22:08:32 GMT

Not all cards report AUs.

Not all cards report the same open date, a few report as new TL.

So if the card report AUs, report the same open date, helps your UTIL and the date is over your current AAoA it will help.

Re: To add myself as a AU

kugel — Mon, 11 Jul 2016 23:09:38 GMT

Does it need to be same address the original account as me ?

Re: To add myself as a AU

RonM21 — Tue, 12 Jul 2016 09:58:13 GMT

I would do a search on these threads for the lender who that card is to, and about AU's with them. You will probably find everything you need to know. I'd rather not guess, because they can be different.