Am Ex and BOA authorized user no benefit.

[Anonymous]

The account is a student loan account it is 10 years and 6 month. 2 90 days late and 1 60 day late over 4 years ago.

[FiveOhFour]

Yea those 90 for certain is still being held against you depending on exactly how old it is , but it doesn't drop after 4 years, and that 60 may still be affecting you as well. Honestly if I understand correctly and it's someone else's account you were added to as an au, just remove yourself as an AU and the account will come off your credit report. If your score rises considerably you'll know it was dragging you down and if it lowers significantly you can just be added back

[Anonymous]

That account has perfect payment history and a high credit limit it is not hurting my credit. It was added today and didn't increase my score so removing it today wouldn't make sense. The account with the late payments is not the authorized user account it is my own student loan.

[FiveOhFour]

Ah ok and the Amex that was added has no negatives either huh? I know you said it didn't bring over the payment history but it could potentially still show its worst payment status or how many lates maybe? I'm much less interested in why you're not getting a boost than I am in what caused you to drop 160+ points once your last collection was deleted (it was deleted not Marked paid right?). Neither of the charge offs not in collection were settled or put on your report in that same time frame? Dang I feel for you that would drive me crazy.

[rmduhon]

What is the utilization on the AU card (not the Amex). By bring added as an AU to the Amex you took an AAoA hit because it's a new account, Amex doesn't backdated the card history for AU's, just reports it from the time the AU is added. We're the accountsame with lates or the charge off accounts updated?

[Anonymous]

The person who added me has over 800 credit and never a late payment. Over 200,000 total in available credit.

My score dropped because now that I have 0 collection showing on my report I was "rebucketed" to a group of people who have no collections. Amongst that group of people with no collections accounts I have more negatives items like charge offs and inquiries and late payments. Rebucketing is very common and I expected it when my last collection was deleted from my report/account. It not to that extent.

My original question is why didn't my score go up when adding two account one new and the other with years of positive payment history and no negative info and a total of 30,000 increase of my credit limits.

[rmduhon]

The owner of the BoA cards score isn't relevant to you score. And never a late doesn't mean that the utilization isn't high which is why I asked you that. If the utilization is high it can negate any increase from the added age. A thicker, well established file will have less affect from high utilization then a newer, thin file. So what is the utilization.?

[Anonymous]

2 percent in AmEx. 6 percent on BOA.

[Anonymous]

Also the increase in credit limit lowered my utilization from 16 precedent to 7

[Anonymous]

I have a credit line on my checking account, it reports as a loan. Maybe you can try that route to add a mix of credit.

Not sure how other banks report credit lines but my CU does.