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B of A Authorized User Help

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stargazer25
Regular Contributor
‎04-23-2016 08:43 PM
‎04-23-2016 08:43 PM

B of A Authorized User Help

is anyone else an AU on B of A? Trying to confirm if it shows on  CR and affect the AAoA and utilization. Thanks!

Starting Scores: September 2015 minus 500 across the board
Current Scores: October 2017 EQ: 715 TU: 710 EX: 716
In My Wallet:
Cap1 QS: $4.8K - AMEX BCP: $4.2K - Old Navy Visa: $7K - Nordstrom $3.8K - VS $500 (FTW!)
BofA AU: $12K AMEX AU: $25K
Business: AMEX BCP $15K
Message 1 of 5
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darwin_wins
Established Contributor
‎04-23-2016 09:16 PM
‎04-23-2016 09:16 PM

Re: B of A Authorized User Help

Yes it is reported to all 3 CRAs. It does affect your AAoA
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Anonymous
Not applicable
‎04-23-2016 09:50 PM
‎04-23-2016 09:50 PM

Re: B of A Authorized User Help

Yes, it showed on my reports for all 3 bureaus and factored in to my AAoA and UTI.

 

hth

 

 

 

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RonM21
Valued Contributor
‎04-24-2016 05:21 AM
‎04-24-2016 05:21 AM

Re: B of A Authorized User Help

Yep, it reports almost as if it was just your own card.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

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Anonymous
Not applicable
‎04-25-2016 10:02 AM
‎04-25-2016 10:02 AM

Re: B of A Authorized User Help

So if you are added as an Authorized User will your score be factored as if you've had that account since it was orginally opened?

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