Does being an authorized user affect your Average ... - myFICO® Forums

JamesHa · ‎08-09-2022

Hello all!

My wife is getting a new card. I don't need to be added as an AU.

If I was I'd obviously benefit from the limit.

but ... would it lower my average age of credit?

thanks in advance!

Credit repair start 1/15/2018 TU-483 , EQ- 512, EX-490
Past check in Credit Score 1/12/2019 TU-642, EQ-642, EX-650

Todays credit scores
805 - EQ , 815 - Ex, 790 - TU

Original Cards
Capital One Secured Card- $200
Capital One QS One Card- $300
AU on Amex Everyday Card- $3,000

Current Cards

Amex Gold
Amex ED Preferred - 19k
Chase SP - 25k
Discover IT - 15K
Synch Home - 20 K
Pen Fed - 25k
TDECU Onyx - 10k
Cap One Qs - 6k

Cap one Plat - 500$ lol

FireMedic1 · ‎08-10-2022

All the scoring metrics associated with the account you'll take on. AAoA's will adjust but not in a way as if you opened a brand new account. Make sure you both know what the other is doing with the card and util. What you or DW do with the card will show up on both reports. Since you didnt name the card. Make sure they report to the CRA's. Its rare. But a few small banks dont. When it comes for you to apply for credit. Some banks wont take AU's into consideration. Hope that helps.

KR66 · ‎08-10-2022

Because this is a new account it may adversley affect your AAOA. If you don't need to be added for any reason, I would probably not.

SouthJamaica · ‎08-10-2022

@JamesHa wrote:
Hello all!

My wife is getting a new card. I don't need to be added as an AU.

If I was I'd obviously benefit from the limit.

but ... would it lower my average age of credit?

thanks in advance!

Yes it would lower your average age of accounts.