My husband added me to his Sears card as an authorized user about 7 years ago (before we were married)...in 2003-2004 he had many late payments, which caused my FICO score to drop. I had him remove me from the account, then had them removed from my credit reports. To my suprise, this dropped my score even more & I found this was because his account was opened over 10 years before my oldest account... so, after they were removed from my account, he added me back as an authorized user again, and it bumped my score up higher than it was to begin with (about 30 points). Now, it shows the age of the account, the current balance, and all payments made since I was re-added, but the old info and delinquincys are no longer there...