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Hoping you veterans can explain a few things about being an "Authorized User". Been scanning over the forums, and still a bit confused. I have excellent credit, high 700's score (774), but lower than I would like Credit History Length (1 Yr, 4 Mos). My mother suggested adding myself to her Capital One card (20+ years of history) as a Authorized User for a few months to bump up my score/history length. My question is, If in a few months I remove myelf as a AU on her account, will that History/Credit Length be removed aswell? Or will I retain that Credit length with the agencies? I am not trying to get a home loan or anything, and have plenty of Credit Available ($40K+, 0%-1% Utilization). Just trying to fast track that History Length a bit. But/if when removed, it was like it never happened, I'm assuming not worth the trouble. Thx, very much appreciated-
Moved to 'General Credit' for additional feedback on AU reporting.
--UB