@Anonymous wrote:So i recently added my 17 year old as an authorized user for 3 of my credit cards. All have high credit limits $20k+, no lates, opened 4+ years ago, and have a zero or near zero balance.
Has anyone had experience doing this and if so what was their child's credit score when they turned 18?
My guesstimate mid 700s?
Mid 700s is correct in my experience.
ETA: I recently added someone with absolutely no credit to one of my cards (a 2 y/o account) and with that being the only thing reporting, their FICO was 744, so yes, it is very possible.
Did something very similar to your situation nearly 2 years ago for my (at that time) 18 and 21 yo. We added them as AU on 4 accounts, average age of around 4 years at that time. When all accounts were basically AZEO (by accident because we didn't know about AZEO until later), both were in the 780-790's until they applied for their own cards.
When we had non-AZEO on their AU cards and one @ a 28% UTI, their scores were in the 750-770 range.
I did the same for kids and 18yr old nephew most recently. He had zero credit. Added him to an almost 12 year and a 4 year old card. His actually scores below 2 months after becoming an AU.
That EX 2 score is insane!
