@Anonymous wrote:
My boyfriend who has excellent credit was thinking of adding me as an authorized user on his chase credit card in order to help my credit. We have diffferent last names and different address......will this help my credit? Will my credit hurt his if he adds me?
Hello and welcome to myFICO.
Yes it can help you IF the account is older than any of yours, IF the payment history is long and clean, IF the utilization is very low, and IF it will report to the CRA's. Not all cards will do this. You need to ask the company first. You will inherit the entire history of this account. One caveat however; if this account starts to go south your credit will be affected as well. Keep that in mind.
Your credit will have no affect on his from you being an AU.
From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
