I added my wife to my cap1 and cred1 both of which are 5 years old.
which helped her with AAOA
I added her to my Amex 93% utility when her SW got an alert her score dropped to 658 , but I just paid that off and its now at $39, cause of a recent payment I made. That Amex reporting with a high utility def dinged her score, but she took the hit so when she does get approved she will get it dated to 2013, and she knew I would pay it off before the end of the month.
I added her as an AU to
Cap1 Limit- 5k Utility- 6.6%
Cred1 Limit- 1.1k Utility-19%
Amex Limit- 1k Utility- 3.9%
I assume adding her to those cards with low utility and 66% with great AAOA helped her score.
I assume since those balances have all lowered since the last time they reported on her CR, she will get a nice bump in her CR since the last time SW pulled it. she was at 658 (Not sure) and now she got a SW alert and is at 674. (Thats also without my Cap1 or Amex balances reporting) after those report, I assume she will be in the 685's
So to answer your question, it makes a difference on both accounts, and how you treat the card and the balances that report and utility and AAOA.
