FICO Score 8 changes after removing Authorized User?

[coolandcalm]

It appears, that with the FICO Score 8 model.. "authorized user accounts will no longer be used in calculating credit scores"

Preparing to remove myself as an Authorized User on unnecessary accounts..

and also preparing to remove unnecessary Authorized Users that I have added to some of my accounts..

Have any of you noticed any adverse affects from doing either?

[FireMedic1]

If your an AU and the primary carries balances. It affects your uril %'s. If you remove someone. Nothing happens. Your the primary. Yes many lenders ignore AU cards your on. Not like it used to be as much. Build your own personal file.

[NoHardLimits]

I am also interested in this topic.  I just had myself removed as an authorized user from spouse's very old revolver last week.  Still waiting for the change to reflect on my credit reports to see if it has any effects on my scores.  If there is no damaging effect, then I also plan to pare some AU accounts in both directions.

[AzCreditGuy]

Im on 3 AU cards myself and prob should remove myself as they are no longer needed, Just a note they add to my overall credit limits that is caculated on my profile. If I remove myself I will go from $152k down to $127k, which I have say is still good

[Anonymalous]

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@coolandcalm wrote:

It appears, that with the FICO Score 8 model.. "authorized user accounts will no longer be used in calculating credit scores"

Preparing to remove myself as an Authorized User on unnecessary accounts..

and also preparing to remove unnecessary Authorized Users that I have added to some of my accounts..

Have any of you noticed any adverse affects from doing either?

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Where did this quote come from? I did a search and can't find an exact match, and the closest matches are from 14 or 15 years ago (when FICO 8 was about to come out). Yet even if there was talk of removing AUs entirely, it clearly never happened. For example, in 2021, I had one personal card with 5 months of credit history, and one of my FICO 8 scores was 784. I had absolutely nothing else in my file except for a more than two-decade old AU card with a perfect payment history. That score is clearly not the norm for someone new to credit, not to mention I should have been unscorable. If it wasn't the AU card, then what was it?

[CH-7-Mission-Accomplished]

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@Anonymalous wrote:

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@coolandcalm wrote:

It appears, that with the FICO Score 8 model.. "authorized user accounts will no longer be used in calculating credit scores"

Preparing to remove myself as an Authorized User on unnecessary accounts..

and also preparing to remove unnecessary Authorized Users that I have added to some of my accounts..

Have any of you noticed any adverse affects from doing either?

---

Where did this quote come from? I did a search and can't find an exact match, and the closest matches are from 14 or 15 years ago (when FICO 8 was about to come out). Yet even if there was talk of removing AUs entirely, it clearly never happened. For example, in 2021, I had one personal card with 5 months of credit history, and one of my FICO 8 scores was 784. I had absolutely nothing else in my file except for a more than two-decade old AU card with a perfect payment history. That score is clearly not the norm for someone new to credit, not to mention I should have been unscorable. If it wasn't the AU card, then what was it?

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You are right.   FICO backed off on the FICO 8 AU policy:

"Following complaints from lenders, the Fair Isaac Corporation, the company behind FICO scores — the most widely used credit-scoring system — announced it would no longer include authorized users in its formula. The company reversed that decision in 2008 amid concerns it potentially violated the Equal Credit Opportunity Act, which prohibits credit discrimination and requires that a spouse who is an authorized user be reported to credit bureaus.

Still, the FICO 8 score, still used by many lenders, did include changes to how piggybackers are scored. All FICO scores now include authorized user accounts, but FICO 8 gives them less weight."