@Anonymous wrote:
Btw all the creditors will overlook the fact that your son has AU history. They only care about his individual history in the application process. I know this from personal experience as the creditors in my sig have cited me for having limited experience on my own. Therefore AU isn't really counted when applications are put under review, but they definitely contribute to his credit score.
Not entirely true. My brother was an authorized user on three of my accounts, which all were less than a year old, got approved for Amex Delta for $12,300, Amex SPG for $9,200, Citibank ATT Access More, Arrival Plus, Venture, and Venture One. He only had those three cards at the time of his applications, but his EX score was 770, which means that even if you only have limited credit history on your own, you will get approved if your score is high enough.
Chase did deny his app citing limited history though, but when the Arrival + showed up in his report, he applied again and got the Hyatt card for $12,000.
03/25/2015 TU 08 765, EX 08 747, EQ 08 757, EQ 04 754.
01/30/2016 TU 08 775, EX 08 752, EQ 08 744
Goal: 780+ across all models.
