https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/With-The-Upcoming-Changes-In-FICO-Scoring-What-Actions-Are-you/m-p/21880#M5382 <DIV>Makes no difference to me. I already helped many friends and family members&nbsp;via the AU strategy over the years. Luckily they all are 700+ now and no longer need me. <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> </DIV> Sat, 23 Jun 2007 19:21:58 GMT Tuscani 2007-06-23T19:21:58Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/With-The-Upcoming-Changes-In-FICO-Scoring-What-Actions-Are-you/m-p/21873#M5380 <DIV>As&nbsp;some of&nbsp;you know, there are going to be some BIG changes in FICO scoring starting&nbsp;this September with one CRA.&nbsp; Not sure which one but it has been speculated by some at this forum that it will be EQ.</DIV><DIV>&nbsp;</DIV><DIV>I have decent scores, no derogs and just a few inqs, mostly on EQ.&nbsp; Like some of you, I have a short credit history without my AU TLs.&nbsp; These being closed and paid as agreed Amex TLs.&nbsp; I stand to lose at least 30-40 or more points with EQ and TU as these are the two CRAs reporting the AU TLs.&nbsp; My plan is simple, become a joint cardholder on my&nbsp;DW's Chase Plat (why couldn't have been a different ccc<img id="smileysad" class="emoticon emoticon-smileysad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" />) with 15 years of perfect payment history, a CL of 18k and a balance of 2k.&nbsp; In return for her precious gift, I will pay half the bal down (my <EM>play </EM>money) and assume responsibility of paying the card monthly.&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>Anyone in this situation, or if most of your loans and&nbsp;CCs are subprime, becoming a joint cardholder will&nbsp;prevent a drop in your scores, or in case of the latter soften the blow.&nbsp; Just keep in mind, unlike an AU, becoming a joint cardholder will entail credit inq(s) and all of the other hoops you have to jump through.&nbsp; Afterall, YOU ARE APPLYING FOR NEW CREDIT!&nbsp; If you have baddies on your CRs, get rid of em if at all possible before you start applying. It's June so you&nbsp;have a couple months to work on it.&nbsp; No reason to wait, start the process NOW!</DIV> Sat, 23 Jun 2007 18:48:19 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/With-The-Upcoming-Changes-In-FICO-Scoring-What-Actions-Are-you/m-p/21873#M5380 fused 2007-06-23T18:48:19Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/With-The-Upcoming-Changes-In-FICO-Scoring-What-Actions-Are-you/m-p/21880#M5382 <DIV>Makes no difference to me. I already helped many friends and family members&nbsp;via the AU strategy over the years. Luckily they all are 700+ now and no longer need me. <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> </DIV> Sat, 23 Jun 2007 19:21:58 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/With-The-Upcoming-Changes-In-FICO-Scoring-What-Actions-Are-you/m-p/21880#M5382 Tuscani 2007-06-23T19:21:58Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/With-The-Upcoming-Changes-In-FICO-Scoring-What-Actions-Are-you/m-p/21909#M5383 Just wondering... I know it doesn't effect score, but if I make someone a joint user, will lenders see that account as half as important being that I am not the only responsible party? Sat, 23 Jun 2007 20:03:43 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/With-The-Upcoming-Changes-In-FICO-Scoring-What-Actions-Are-you/m-p/21909#M5383 Anonymous 2007-06-23T20:03:43Z