Authorized Users No Longer part of FICO!!!

Turboba6 · ‎05-25-2016

Folks, I'm an Authorized user on my Wife's CC, and we Recently Paid it of, to the tune of $5000, on an 8000credit line, well all my Fako's Shot up Considerably, my FICO's did Not! What gives???

RonM21 · ‎05-25-2016

Has the Fico scores you were looking at reflected that the payment was made yet? Also the difference between the two may be a factor in this.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

Revelate · ‎05-26-2016

@RM21 wrote:
Has the Fico scores you were looking at reflected that the payment was made yet? Also the difference between the two may be a factor in this.

+1.

5000/8000 is only 62.5%, I've been higher with no penalty on a tradeline once so it does depend on the rest of your revolvers. It's possible that your AU is being discounted on FICO 8 under their anti-abuse policy, do you have a change under any older model if you have access to those?

Really the way to tell if the AU is being counted is to zero out everything else and leave a small balance on the AU and see if you get whacked; if you do, let a balnce report on some other card and if it recovers, the AU is being discounted. If you don't get a non-trivial negative, it's counted.