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[Anonymous]

I have just been added to my fiancé’s credit cards, he’s has perfect credit (820) never had a late payment etc. I myself, have an “unavailable” FICO score due to not having anything but a bankruptcy from 2013. However my TransUnion is reporting 600. Since the bankruptcy I have not opened credit cards and sadly my car I just paid off was not reporting to my credit due to working with a “buy here pay here” dealership. So basically, I’ve had nothing reporting to my credit in like ten years.
My fiancé added me in hopes of getting me a jump start at least, so in the future I can at least qualify to open my own credit card and start building my credit on my own.

My question, how long before it starts showing up on my credit and what could I possibly expect as an increase in my score?

[Remedios]

Hi and welcome to the forums 

Next time card reports, usually after the statement date. If you have no revolving accounts, you can expect to see positive impact on your score. Once that happens, you should consider ope8an account or two in your name. A lot of lenders have algorithms to remove AU accounts during the application process so that profile may be "judged" on it's own merit AU accounts are good for artificially inflating AAoA, but may not be much help (depending on a lender) for any applications.

Feel free to visit Credit Cards sub forum for some suggestions on where to start.

[Anonymous]

This topic has me curious as well. I know someone who only has AU accounts, never had any credit or anything for that matter on his CR. Score was 750 on EX So when he received an offer from Cap1, he applied. But it went to review and they wanted a copy of DL, ID verification I would assume. I wonder if he would have had better luck with one of the Banks he's an AU on? 

[Remedios]

No, they would not 

If verification was done in the past, it would have been on the primary account owner. When it comes to approvals, AU accounts are almost irrelevant. All you're providing are name, dob, SS number.  To a lender, AU is just means to ensure additional purchases. Nothing more. 

AU's income, employment, assets are not even being asked for because they are not responsible for repayment by design. 

That 750 was not "his score". Remove AU accounts, and there is no score, no payment history, nothing. 

[eastsea]

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@Remedios wrote:

No, they would not 

If verification was done in the past, it would have been on the primary account owner. When it comes to approvals, AU accounts are almost irrelevant. All you're providing are name, dob, SS number.  To a lender, AU is just means to ensure additional purchases. Nothing more. 

AU's income, employment, assets are not even being asked for because they are not responsible for repayment by design. 

That 750 was not "his score". Remove AU accounts, and there is no score, no payment history, nothing. 

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What if someone had credit cards before and later canceled them all and now only has AU accounts but wants to apply for own cards?

Also do you know which credit card bank is more lenient to someone who currently has AU accounts only? 

[Remedios]

Presence of closed accounts can certainly help.
Cap One can go either way.
Disco been denying lately for unsecured cards with AU accounts only, one Amex approval that I've seen, but that's certainly an outlier approval. Maybe it helped that it was husband/wife combo.
They do keep track of people residing at same address.
Chase and Barclay are unimpressed by AU accounts only.
Not sure about others.