Re: Authorized User

pdog661 · ‎08-20-2012

Hi,

Does adding an authorized user to your credit account affect their fico score?

I would like to use my "excellent" credit to bring up my wifes "good" credit. Would adding her to my lines of credit boost her score?

Thanks

AndySoCal · ‎08-20-2012

Yes it will help her score. If I were choosing the card I would pick a card that a had long payment history history.

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
Banking: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO

Flying_High · ‎08-21-2012

I have had my cc for 6 months and I added my son today for AU is 6 month ok????

As of 9/13"
Starting Score: 600
Goal Score: 740
Garden till 10/14"

AndySoCal · ‎08-21-2012

My answer to adding your son as an AU is it depends. If you son is minor I would strong suggest you do not add him. Why? Google children and idenitity theft. Secondly there is no need most the time. If your son already has credit adding him may or may not help him.

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
Banking: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO

Flying_High · ‎08-22-2012

Thanks for replying bk, but its to late I added him yesterday before i saw this thread....I did add myself to my husband as well 5 months ago and I checked MyFICO report yesterday and I do have CapOne listed as 1 open account and my score for EQ is 666 I'm not likeing that number at all but i will check in another 6months to see if it change god I hope so...as far as my 12yr son goes its to late one thing i do kn is he's not getting the card just so they can see hes useing it im only buying 1soda & 1candy bar thats it lol...

As of 9/13"
Starting Score: 600
Goal Score: 740
Garden till 10/14"

pdog661 · ‎08-22-2012

Thanks..... I added her to my card that I have had for 12 years. She has made it through life without any cards or loans..... Sounds great, but terrible for ones credit.

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