Does authorized user count utilization?

[steppy]

I was trying to keep my utilization below 10% and thought being an authorized user on my husbands BOA card counted. But my score dropped saying 0 utilization.  Does anyone know if authorized user counts or not on utilization?  Confused and don't know what to do.

[empiror22]

yes utilization counts on AU accounts.  atleast they do for capital one, USAA , NFCU... my wife and i have these cards and are AU on each others.

[pizzadude]

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@steppy wrote:

I was trying to keep my utilization below 10% and thought being an authorized user on my husbands BOA card counted. But my score dropped saying 0 utilization.  Does anyone know if authorized user counts or not on utilization?  Confused and don't know what to do.

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Yes, it should be included in your FICO score.

What score / report did you pull that stated it wasn't included?

[steppy]

It was CK that stated 0% utilzation. But my score also dropped on Fico Eq. This was the only change on my report. Is there any chance that just BOA is the only one that does this?

[pizzadude]

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@steppy wrote:

It was CK that stated 0% utilzation. But my score also dropped on Fico Eq. This was the only change on my report. Is there any chance that just BOA is the only one that does this?

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Ignore the scores and scoring advice from CK.   It has numerous differences from FICO, including AU accounts, inquiries, etc...