Big Boost after becoming an AU

[RonM21]

Right. While it's good when the other user is on top of their game with the card, it can get ugly really quick for you if they start having issues.

[Anonymous]

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@Anonymous wrote:

TU got a 16 point bump this weekend after the new tradeline started reporting

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And finally Experian reported a 16 point bump last night.

Question about AU reporting. When I apply for a new card are creditors able to see how long I have been an AU or just that I am an AU and the history of the entire account?

Thanks

[RobertEG]

Just remember that any score boost resulting from addition of an AU results in a score that no longer represents only your own credit history/risk analysis.

If a creditor does a manual review and realizes that your score is based in part on the credit history of another, they may choose to discount the value of that score in their decision-making.  They understand the AU game......

[EW800]

I agree with Robert 100%. In the case of my daughter, who is an AU on one of my Amex accounts, the opening date of the account is before she was born! Sticks out like a sore thumb on manual review.