My Father added me as an AU to one of his cards when I went off to college. He never told me that he did that, and he smartly did not give me the physical card to use. I did not find out until years later when I applied for my first mortgage and got a look at my credit report. The mortgage loan officer said my score was surprisingly good for someone of my age. The aged AU tradeline really helped.
@Anonymous wrote:
@NoHardLimits wrote:My Father added me as an AU to one of his cards when I went off to college. He never told me that he did that, and he smartly did not give me the physical card to use. I did not find out until years later when I applied for my first mortgage and got a look at my credit report. The mortgage loan officer said my score was surprisingly good for someone of my age. The aged AU tradeline really helped.
@NoHardLimits your father was a wise man. you better believe that tradeline made all the difference in that mortgage score and still helps your mortgage scores today and maybe even your version 8 and 9! You definitely owe him appreciation for that! what did he say when you finally found out? (If you care to share.)
I never told him that I found out. Sadly, he passed away several years ago. That account was closed and fell off my reports decades ago, so it no longer directly contributes to my current scores. However, it was a very important building block in my credit profile and allowed me to climb greater heights than might otherwise have been possible.