Authorized User + Mortgage Scores

[ISingtoLife]

I tried searching but wanted to specifically ask what I'm dying to know.

my mom added me to a few Chase Cards but they are roughly at 53% and 43% utilization. FICO mentiones on the scoring chart that they don't take into account AU accounts for scoring but 🤔

does this hold true for FICO mortgage scores as well? I have paid off all my own trades lines and I'm thinking to just have her remove me to maybe bump my score. 

im at a loss. 

[Revelate]

It does not hold for mortgage scoring, if it's on your reports it counts. 

FICO 8 doesn't necessarily discount it either, there's some anti-abuse algorithm that got implemented so they might be impacting your score.  Put a small balance on one of your own cards and airstrike the AU's if there are significant balances is what I'd do personally for optimizing for a mortgage if I weren't already gold plated (read as 740+ or even 760+ if not putting down 20%).

[ISingtoLife]

@Revelate pardon me for asking but what does airstrike mean? Tackle the debt (even though its not mine) or remove myself from the account? 

Thanks! 

[Revelate]

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@ISingtoLife wrote:

@Revelate pardon me for asking but what does airstrike mean? Tackle the debt (even though its not mine) or remove myself from the account? 

Thanks! 

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Ah sorry, remove it