@racer-x wrote:So I made my S.O. an AU on my 5 yrd old CapOne card with $10k. That dropped her overall utilization from around 75% to 25%. But she did not get a score change on myFico.
CK, CapOne Score tracker....gave her a 25 pt bump.
The new account is on her 3B reports from Feb. 26.
Any ideas on this one?
According to FICO scoring, AU isn't weighed as heavily. It's not an individual account. FICO knows people are abusing AU's so I think they opt it all out.
@racer-x wrote:
@tonyjones wrote:
@racer-x wrote:So I made my S.O. an AU on my 5 yrd old CapOne card with $10k. That dropped her overall utilization from around 75% to 25%. But she did not get a score change on myFico.
CK, CapOne Score tracker....gave her a 25 pt bump.
The new account is on her 3B reports from Feb. 26.
Any ideas on this one?
According to FICO scoring, AU isn't weighed as heavily. It's not an individual account. FICO knows people are abusing AU's so I think they opt it all out.
That would s uck. That wasn't the case in this thread from a couple days ago... http://ficoforums.myfico.com/t5/Credit-Cards/Effects-on-adding-GF-as-AU/td-p/3837997
That's FAKO score or he's trolling, 30 point increase by just adding someone as AU, gimme a break, if that was the case everyone would do it and FICO score wouldn't mean **bleep** anymore.