AU before and after

[MudkipsRKooL]

Added my brother and sister to my newly month old Amazon Prime card and my siblings whom both are debit card users and problaly in that "credit is bad" mindset from closing their college credit cards back a decade ago etc... My brother his score from 745 went up 38 points to 783. My sister who is in defaulted on her loans and still getting her wage/income tax garnished, I'm still waiting back on her score. I'm just gonna assume she is 300 or 500ish, so I'm really interested in her credit score change, even if it's just a little. Oh BTW these are CK vantage 3.0 scores. Anyways I'm coffin dance happy. Hopefully it will spark them into being more fanicically aware and encourage them to get into this "credit game".

[Anonymous]

If you could give us their profile details, the data points would be very helpful. Thanks!

[MudkipsRKooL]

My  brother has 2 complete loans. 2010? 2014? from college, no credit cards (expired 2017 & 2020 on his credit history).  So the AU card gave him a SL and AAoA and revolving credit.

here's a screenshot of his CK score. 

[Anonymous]

So he’s clean/thin/nonaged/new accounts, with a loan on record. Thanks!

[MudkipsRKooL]

A DP on my sister. 500? credit score, defaulted on her school loans in 2008? 2 years of school about 20K owed? Last I heard it's 40K but yea. Amazing what 1 AU did to  her score. 

[Anonymous]

So, do you know their FICO scores? I just realized those are VS scores, and so really are not meaningful becsaause practically no lender uses them.

[MudkipsRKooL]

Just put my dad on AU of my Amex card he's sitting at 735 atm.