topic Will being added as a CC authorized user holder help or hurt in the short term? in Understanding FICO® Scoring

Will being added as a CC authorized user holder help or hurt in the short term?

Anonymous — Mon, 02 Mar 2015 21:50:23 GMT

I have a Fico score of 700. My spouse has a Fico score of 780. I am applying for a new home mortgage during the next couple of months. If I get added as an authorized user to one of her credit card accounts how will that affect my credit score in the short term?

e.g. Will my credit score take a ding for a month or two because of a credit check to get added to her credit card? Would getting added to more than one of hers most likely help more?

Re: Will being added as a CC authorized user holder help or hurt in the short term?

gdale6 — Tue, 03 Mar 2015 00:59:31 GMT

You want older low balance reporting AU cards, dont have one put on that would lower your AAoA. There is no credit check to either one of you to add an AU.

Re: Will being added as a CC authorized user holder help or hurt in the short term?

Anonymous — Tue, 03 Mar 2015 14:30:54 GMT

Thank you gdale. Would it be more advantageous to be added as a Joint Account holder rather than an AU?