AUthorized user on account help score?

[Anonymous]

I am wondering if it would help my score if I was an authorized user on my wifes CC's......assuming they are paid on time.........Thanks

[Anonymous]

Yes  at this time AU are still being counted toward scores.

[Anonymous]

The can substantially help if you have low CL and high util% and your wife has large CL and low util%.

For example all your revovling lines have $5K total CL. You have a 50% util ($2500). You wife has a card with %10K CL and 0% util. Adding you as an AU changes your total CL to $15K and drops your util to 16%.

YMMV but generally getting added as an AU helps the most if:
* your current CL are low and TL CL is high.
* your util is high and TL util is low
* your number of cards is small
* your length of history is short and TL has long history.