Authorized Users

[MidnightVoice]

My CU and Chase both allowed me to go joint from me plus AU.

Juniper said they only allow it on application and will not go joint later.

Amex I have not asked

I think pre-apps will nearly always be for the person whose credit they checked - call and ask if they will do a joint app.

[Anonymous]

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MidnightVoice wrote:

Amex I have not asked

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Amex will not do joint, no matter how nicely you ask.

[MidnightVoice]

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cheddar wrote:

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MidnightVoice wrote:

Amex I have not asked

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Amex will not do joint, no matter how nicely you ask.

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Thankee for that tidbit!  I don't want that one joint, but it is good to know

[RobertEG]

I think this interchange clearly shows the slow Darwinian de-evolution of the AU species.  Classic FICO may still include them.  But many manual reviews may choose to ignore.  Some creditors are phasing them out after account establishment, and not permitting later additions of AUs.  And FICO 08, if any lendor chooses to purchase and use it, would place the AU into extinction of the species. 

I do not see a Green Peace initiative to "save the AU!"