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Added as authorized user on old card, but average age dropped?

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Valued Member

Added as authorized user on old card, but average age dropped?

Hello, I'm looking for some insight on why my average age of accounts dropped.

 

I was recently added on as an authorized user on a $15k limit Amex, opened in 2007 so 13 y/o.

 

Credit Karma is showing the age of this account as "<1 month" old, and saying that the date opened is "Unknown"

 

Does it take a few statement cycles for this age/info to update?

 

Thanks in advance!

12 REPLIES 12
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Super Contributor

Re: Added as authorized user on old card, but average age dropped?

Not sure how you CreditKarma calculates AAoA on open and close accounts. I'll drop a link here.

 

$1 you can obtain your 3 bureau FICO 8 scores and reports at Experian or CreditCheckTotal (part of Experian). Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

Message 2 of 13
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Epic Contributor

Re: Added as authorized user on old card, but average age dropped?


@Colorado303720 wrote:

Hello, I'm looking for some insight on why my average age of accounts dropped.

 

I was recently added on as an authorized user on a $15k limit Amex, opened in 2007 so 13 y/o.

 

Credit Karma is showing the age of this account as "<1 month" old, and saying that the date opened is "Unknown"

 

Does it take a few statement cycles for this age/info to update?

 

Thanks in advance!


I am pretty sure that when you are added as a Amex AU, you do not get the age of account added.

I am pretty sure it starts as a new account on your file.

 

I could be wrong.

Message 3 of 13
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Super Contributor

Re: Added as authorized user on old card, but average age dropped?


@M_Smart007 wrote:

@Colorado303720 wrote:

Hello, I'm looking for some insight on why my average age of accounts dropped.

 

I was recently added on as an authorized user on a $15k limit Amex, opened in 2007 so 13 y/o.

 

Credit Karma is showing the age of this account as "<1 month" old, and saying that the date opened is "Unknown"

 

Does it take a few statement cycles for this age/info to update?

 

Thanks in advance!


I am pretty sure that when you are added as a Amex AU, you do not get the age of account added.

I am pretty sure it starts as a new account on your file.

 

I could be wrong.


I think you are not wrong. Which leads me to believe you are correct. Smiley Wink I do recall reading AmEx AU cards do not back date. It reports as date added as AU?

Message 4 of 13
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Valued Member

Re: Added as authorized user on old card, but average age dropped?

 


@AllZero wrote:

Not sure how you CreditKarma calculates AAoA on open and close accounts. I'll drop a link here.

 

$1 you can obtain your 3 bureau FICO 8 scores and reports at Experian or CreditCheckTotal (part of Experian). Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.


Thank you!! I'll check that site out 😊

Message 5 of 13
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Valued Member

Re: Added as authorized user on old card, but average age dropped?


@M_Smart007 wrote:

@Colorado303720 wrote:

Hello, I'm looking for some insight on why my average age of accounts dropped.

 

I was recently added on as an authorized user on a $15k limit Amex, opened in 2007 so 13 y/o.

 

Credit Karma is showing the age of this account as "<1 month" old, and saying that the date opened is "Unknown"

 

Does it take a few statement cycles for this age/info to update?

 

Thanks in advance!


I am pretty sure that when you are added as a Amex AU, you do not get the age of account added.

I am pretty sure it starts as a new account on your file.

 

I could be wrong.


That's exactly what it looks like. I should have done my research before being added to an Amex, lol. Oh well. It set me back a few months on the average age, but I'm hoping the point gain from lowering my overall utilization will be worth it. Thanks again!

Message 6 of 13
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Epic Contributor

Re: Added as authorized user on old card, but average age dropped?


@Colorado303720 wrote:

@M_Smart007 wrote:

@Colorado303720 wrote:

Hello, I'm looking for some insight on why my average age of accounts dropped.

 

I was recently added on as an authorized user on a $15k limit Amex, opened in 2007 so 13 y/o.

 

Credit Karma is showing the age of this account as "<1 month" old, and saying that the date opened is "Unknown"

 

Does it take a few statement cycles for this age/info to update?

 

Thanks in advance!


I am pretty sure that when you are added as a Amex AU, you do not get the age of account added.

I am pretty sure it starts as a new account on your file.

 

I could be wrong.


That's exactly what it looks like. I should have done my research before being added to an Amex, lol. Oh well. It set me back a few months on the average age, but I'm hoping the point gain from lowering my overall utilization will be worth it. Thanks again!


One thought on lowering overall Utilization by being an AU, Most times when you apply for Credit,

They discount any AU cards.

Also algorithms are very sophisticated these days to Un-Mask AU Utilization. ALL JMO

Message 7 of 13
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Established Contributor

Re: Added as authorized user on old card, but average age dropped?


@M_Smart007 wrote:

@Colorado303720 wrote:

@M_Smart007 wrote:

@Colorado303720 wrote:

Hello, I'm looking for some insight on why my average age of accounts dropped.

 

I was recently added on as an authorized user on a $15k limit Amex, opened in 2007 so 13 y/o.

 

Credit Karma is showing the age of this account as "<1 month" old, and saying that the date opened is "Unknown"

 

Does it take a few statement cycles for this age/info to update?

 

Thanks in advance!


I am pretty sure that when you are added as a Amex AU, you do not get the age of account added.

I am pretty sure it starts as a new account on your file.

 

I could be wrong.


That's exactly what it looks like. I should have done my research before being added to an Amex, lol. Oh well. It set me back a few months on the average age, but I'm hoping the point gain from lowering my overall utilization will be worth it. Thanks again!


One thought on lowering overall Utilization by being an AU, Most times when you apply for Credit,

They discount any AU cards.

Also algorithms are very sophisticated these days to Un-Mask AU Utilization. ALL JMO


Yup, even at same address one of my AUs doesn't have any utilization boost from my card


Smiley Embarassed
Message 8 of 13
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Valued Member

Re: Added as authorized user on old card, but average age dropped?


@M_Smart007 wrote:

@Colorado303720 wrote:

@M_Smart007 wrote:

@Colorado303720 wrote:

Hello, I'm looking for some insight on why my average age of accounts dropped.

 

I was recently added on as an authorized user on a $15k limit Amex, opened in 2007 so 13 y/o.

 

Credit Karma is showing the age of this account as "<1 month" old, and saying that the date opened is "Unknown"

 

Does it take a few statement cycles for this age/info to update?

 

Thanks in advance!


I am pretty sure that when you are added as a Amex AU, you do not get the age of account added.

I am pretty sure it starts as a new account on your file.

 

I could be wrong.


That's exactly what it looks like. I should have done my research before being added to an Amex, lol. Oh well. It set me back a few months on the average age, but I'm hoping the point gain from lowering my overall utilization will be worth it. Thanks again!


One thought on lowering overall Utilization by being an AU, Most times when you apply for Credit,

They discount any AU cards.

Also algorithms are very sophisticated these days to Un-Mask AU Utilization. ALL JMO


Good to know! Thank you. FICO mortgage scores too? I'm at about 4% utilization with the AU card, 8% without. I'll keep chipping away at the last few percent and just ignore the extra AU amount then!

Message 9 of 13
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Community Leader
Super Contributor

Re: Added as authorized user on old card, but average age dropped?


@M_Smart007 wrote:

@Colorado303720 wrote:

Hello, I'm looking for some insight on why my average age of accounts dropped.

 

I was recently added on as an authorized user on a $15k limit Amex, opened in 2007 so 13 y/o.

 

Credit Karma is showing the age of this account as "<1 month" old, and saying that the date opened is "Unknown"

 

Does it take a few statement cycles for this age/info to update?

 

Thanks in advance!


I am pretty sure that when you are added as a Amex AU, you do not get the age of account added.

I am pretty sure it starts as a new account on your file.

 

I could be wrong.


Nope, you're right M_Smart007


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DEC 2018: EX 777, TU 783, EQ 799

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Message 10 of 13
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