topic Re: Authorized User in Understanding FICO® Scoring

Authorized User

Anonymous — Tue, 22 Jul 2014 04:02:59 GMT

I am listed as an authorized user on three of my spouse's credit cards. I don't have access to these cards, and never use them, however the balances are reflected as a part of my overall debt, thus lowering my score. If I am removed from the accounts as an AU, will my FICO score increase? Thanks!

Re: Authorized User

Revelate — Tue, 22 Jul 2014 05:35:10 GMT

Welcome to the forums!

Don't have enough information to say: what else do you have in your credit report in terms of credit cards and loans? For the CC's in particular, it'd help to list the individual balances and individual credit limits for all the cards including the AU's.

Also, are the AU's in good standing (no lates) and were they opened before or after most of your personal tradelines? IF you really want to get a complete picture, put the open date on all of the loans / cards / etc as well and at that point we'll be able to suggest whether to airstrike the AU's or not.

Re: Authorized User

tonyjones — Tue, 22 Jul 2014 14:29:04 GMT

Lot's of CC companies don't care about AU. At least CItibank, Chase, and Barclays I know for sure, their recon analyst/underwriters from what I'm told don't even look at them.