If you become an AU on a card are you more likely to get approved by that bank? For example if GE is showing no love and you become an AU on a freinds account that has a good history with GE are you more likely to get approved then or does that not play a factor?
Starting Score: EQ FICO 582, TU 614, EX 528 9/13
+1
It does not play a factor at all. The lenders are looking at the applicant/primary cardholders credit profile. An AU can help build history, it does not erase any baddies that will otherwise cause a lender to decline an app.
Also, some lenders discount AUs accounts in their entirety.
It does not play a factor at all. The lenders are looking at the applicant/primary cardholders credit profile. An AU can help build history, it does not erase any baddies that will otherwise cause a lender to decline an app.
Also, some lenders discount AUs accounts in their entirety.
Well what if the reason the lender denied you is lack of accounts? would having a few AU's accounts then pay a factor or do lenders ignore those files when processing your worthiness?
Being added as an AU can help (provided that it's a clean account, etc) but in no way does it completely make up for baddies or other deficiencies on a person's CR. And like Lexie said, some creditors don't consider AU accounts at all.
Then I need to talk to my dad about AUing me on his discover, he can keep the card. Even shred it if he likes. lol. I just want them to like me 
