kraig wrote:
The account is in good standing with a low utilization. Would adding me as an authorized user help my score? And I pay the bill anyway.
Many variables come into play to determine whether it would help or hurt your score.
What is your current average age of accounts (not counting the Sears card)?
What is your current revolving utilization percentage?
How long ago was the Sears card opened?
What is the utilization on the Sears card?
Does the Sears card have any late payments reporting (even if they were long ago)?