Authorized User and FICO Score

[Anonymous]

Let's say someone has never had credit before; they are just starting out. Let's also say that a family member adds that person as an authorized user on one of their accounts.

Will that AU account alone be enough to generate a FICO score, assuming that the account was originally opened more than six months ago?

[myjourney]

Welcome to the forum AU accounts sure will start the process and generate score 

I should also add it will take 6 months of history for you to have a Fico score 

[Anonymous]

That's the part I am unsure on. Does that mean you have to still wait another six months for a FICO even though the AU account was originally opened 10 years ago? Usually when you are an AU, it will show the past history for the account even though you were not associated with it during that time.

[gdale6]

---

@Anonymous wrote:

That's the part I am unsure on. Does that mean you have to still wait another six months for a FICO even though the AU account was originally opened 10 years ago? Usually when you are an AU, it will show the past history for the account even though you were not associated with it during that time.

---

Yes, it reports the actual date you became AU.

[RobertEG]

Getting a score alone may not mean much.

Once you do have a score, it will still probably not be worth much unless you are applying for credit that simply looks at your current score, and does not review your credit report to look at the info that is making up your sxore.

Seeing that the score respresents only the contribution of the history of another, with no history of your own, it would most likely be meaningless in their approval process.