@tc2042 wrote:I'm new to this forum, but have a quick question about how the FICO scores work vs. information on my credit report. On the site, I have accounts listed on my credit report that I am an authorized user on with that are my wife's, and vice versa. However, in the scores section, especially the simulator section, it shows my balance owed as less than they should be based on the amounts owed from the credit report. From what I've read, I thought that if it was reported on the report it would be included in the score. Is that not correct? Thanks in advance.
Welcome to the forums!
3rd party analysis isn't always correct; it's possible that FICO 8's anti-AU abuse (discounts AU's that it determines aren't legitimate, and nobody outside of hush hush FICO land knows how that works to my knowledge) kicked in but they at least tried to absolutely exclude your situation (husband / wife) from the abuse algorithm. Somewhat hard to say as a result but I'd ignore the simulator for anything important personally: the scores are reference, the data here close to that (small exceptions even on my report compared to the base bureau), and the simulator take with a grain of salt 
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@tc2042 wrote:
Thanks, appreciate the info/advice. We were trying to make some decisions on where to allocate some money to pay down some stuff, i.e. if we put it towards some of the ones we're both on, it would boost both scores, versus splitting it between us so to speak. Trying to get the most"bang for our buck". Again thanks for the help.
Unless you're applying for something in short order, just go with the highest APR one first and work downward in my opinion. Getting out of debt faster trumps credit score.