https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Authorized-User-Question/m-p/5361983#M144371 Hi, forgive me if this has been answered.<BR /><BR />Does high uti negatively affect an AU?<BR /><BR />I have an authorized user on one of my accounts and am considering a BT.<BR />Just wondering how this might affect the AU.<BR />Thanks in advance! Thu, 20 Sep 2018 01:09:19 GMT emily15 2018-09-20T01:09:19Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Authorized-User-Question/m-p/5361983#M144371 Hi, forgive me if this has been answered.<BR /><BR />Does high uti negatively affect an AU?<BR /><BR />I have an authorized user on one of my accounts and am considering a BT.<BR />Just wondering how this might affect the AU.<BR />Thanks in advance! Thu, 20 Sep 2018 01:09:19 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Authorized-User-Question/m-p/5361983#M144371 emily15 2018-09-20T01:09:19Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Authorized-User-Question/m-p/5362031#M144373 <P>Yes, it would adversely impact their profile.&nbsp; The question of course always comes up as to whether having the AU account is a positive thing when high utilization becomes a factor.&nbsp; At that point the AU has to attempt to weigh the benefit of the AoOA increase verses the adverse utilization impact.</P><P>&nbsp;</P><P>If you have relatively high overall credit limits yourself, perhaps the high utilization AU account wouldn't cause your aggregate utilization to cross a threshold, so the impact would be limited to the scoring ding associated with highest individual card balance.</P> Thu, 20 Sep 2018 01:48:06 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Authorized-User-Question/m-p/5362031#M144373 Anonymous 2018-09-20T01:48:06Z