https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/UTIL-AUTHORIZED-USER/m-p/240164#M4101 <DIV>The biggest debt I had on my cr was a cc i am an authorized user (my dad's cc) it is now PIF, will this have the same affect on my credit scores as if it were my own cc now that my util is much lower?</DIV> Fri, 16 May 2008 23:39:52 GMT Anonymous 2008-05-16T23:39:52Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/UTIL-AUTHORIZED-USER/m-p/240164#M4101 <DIV>The biggest debt I had on my cr was a cc i am an authorized user (my dad's cc) it is now PIF, will this have the same affect on my credit scores as if it were my own cc now that my util is much lower?</DIV> Fri, 16 May 2008 23:39:52 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/UTIL-AUTHORIZED-USER/m-p/240164#M4101 Anonymous 2008-05-16T23:39:52Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/UTIL-AUTHORIZED-USER/m-p/240178#M4107 <DIV>It should, that is until AU are no longer counted in scoring.</DIV> Sat, 17 May 2008 00:00:13 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/UTIL-AUTHORIZED-USER/m-p/240178#M4107 Anonymous 2008-05-17T00:00:13Z