@Anonymous wrote:
@aftermath wrote:
@ficonightmare wrote:I dunno. I think the reason your girlfriend saw such a big jump is because she just had no history, which is different from a bad history.
When I started rebuilding, I was already an AU on 2 of my hubbys (and 1 of my parents) CC'S. All three cards had long perfect histories. My score was still in the 600's. What helped was getting my own CC's and waiting (along with GW lettes and threats to EX) for the baddies to fall off.
My final one came off in Feb/March and since then, I've seen my scores start moving upwards.
So while being added as an AU can help, I don't believe it's enough to give you that much of a boost if you already had a clean report.
I think you're missing my point. I used my fiance's story as an example to try to explain something to the OP. She was new to credit just like the OP is stating. I added her as an AU on all my positive accounts which gave her an instantaneous perfect credit profile with AAoA of 10 years and a FICO score of 789 but what I'm trying to argue/prove is that NONE OF THAT meant ANYTHING because the AAoA and FICO score and TRADELINES were not hers and the banks knew that so they didn't take them into consideration. The only tradeline that actually belonged to her was her secured $1000 BofA and that was the only tradeline they took into consideration when coming to their decision. Those AU's might as well not have been on her credit report because they didn't influence anything.
Thanks for the feed back. BUT im not a AU on these card! Im a JOINT ACCOUNT HOLDER , which is a big difference... atleast from what i have assertained from these fourms. I am equally responsible for these accounts and can not be taken off the account in the event account goes into default, unlike a AU. But like i said before, this is all new to me. Any question and comments welcome. Thanks again!
ps: I was asking if adding myself as a AU would bring up my 793 score up, and the higher limited on this AU card be taken into consideration when CCC offer me a card limit. Thanks
No. AU's are like shadows in the background. It's an image of a person, NOT the actual person. <--- replace the word "person" with "credit card". 
@aftermath wrote:
@Anonymous wrote:
@aftermath wrote:
@ficonightmare wrote:I dunno. I think the reason your girlfriend saw such a big jump is because she just had no history, which is different from a bad history.
When I started rebuilding, I was already an AU on 2 of my hubbys (and 1 of my parents) CC'S. All three cards had long perfect histories. My score was still in the 600's. What helped was getting my own CC's and waiting (along with GW lettes and threats to EX) for the baddies to fall off.
My final one came off in Feb/March and since then, I've seen my scores start moving upwards.
So while being added as an AU can help, I don't believe it's enough to give you that much of a boost if you already had a clean report.
I think you're missing my point. I used my fiance's story as an example to try to explain something to the OP. She was new to credit just like the OP is stating. I added her as an AU on all my positive accounts which gave her an instantaneous perfect credit profile with AAoA of 10 years and a FICO score of 789 but what I'm trying to argue/prove is that NONE OF THAT meant ANYTHING because the AAoA and FICO score and TRADELINES were not hers and the banks knew that so they didn't take them into consideration. The only tradeline that actually belonged to her was her secured $1000 BofA and that was the only tradeline they took into consideration when coming to their decision. Those AU's might as well not have been on her credit report because they didn't influence anything.
Thanks for the feed back. BUT im not a AU on these card! Im a JOINT ACCOUNT HOLDER , which is a big difference... atleast from what i have assertained from these fourms. I am equally responsible for these accounts and can not be taken off the account in the event account goes into default, unlike a AU. But like i said before, this is all new to me. Any question and comments welcome. Thanks again!
ps: I was asking if adding myself as a AU would bring up my 793 score up, and the higher limited on this AU card be taken into consideration when CCC offer me a card limit. Thanks
No. AU's are like shadows in the background. It's an image of a person, NOT the actual person. <--- replace the word "person" with "credit card".
Yeah, exactly. My SO has plenty of my cards on his credit report because I added him as AU on several cards. Amex, Citi, etc. They all report. But he actually uses these cards for our joint expenses (easier to keep track of). But they all still hinge on my credit and I am responsible for them.
