NFCU Authorized user help internal score?

[Anonymous]

My brother is an authorized user on my cash rewards card with navy, he’s wanting to apply for his own card but FICO 8 scores are low 600 I believe he’s somewhere around 620. And has 4 collections that are soon to fall off this year. Was wondering if being authorized user on my account raises his internal score with navy? Any insight on if he should pull trigger would be greatly appreciated. HIS DTI ratio is very low maybe 10% I’ve heard this matters with navy.

[Anonymous]

I doubt his AU status does anything for his internal score with NFCU. Is he already a member?

NFCU can be very generous to builders/rebuilders, especially if DTI is in order, so I’d encourage him to apply. I think he stands a better chance than not for any card except for the Flagship.

[Anonymous]

Yes he is a member piggy backed off of myself, my cash rewards card does show up under his navy federal online banking also. This is why I’m wondering does it help his internal score

[Anonymous]

Again, if I was advising him, I’d tell him to apply.

What’s the worst that can happen? If declined, he will take an HP (no big deal really), and be offered the secured card. At that point, jump on the secured card and ride that wave to unsecured approval.

[Shooting-For-800]

Scores whether internal or external do not matter as much as relationship does.

My lowest card was opened with my highest scores.

[Anonymous]

Think maybe an SSL could help him with unsecured approval? He is all for the secured card if offered just wondering what is best route for him to go.