Got a question about AU

[Anonymous]

if your added onto someone account as AU and they maxed out card and allow it to report would that drag your score down?

[Anonymous]

Yes since you are responsible for the debt not the AU. If you think they will (or they have) do/done this then you might want to not give them a card or cancel the one they have

[Anonymous]

It will hurt both people as if it's both people's cards

[Lucky7z]

It's true it happened to me

[Anonymous]

But that's the point of doing it, to make it look like it's your card

[RobertEG]

In additon whenever you have the history of another reporting to your credit report, that automatically makes any score that is produced non-reporesentative of only your own credit history.  Potential creditors have no way to back out the scoring effect of an AU.

If the card holder is maxed out, then the AU will also suffer the scoring impact.  % util is a highly-weighted scoring category, which in and of itself is reason to ditch the AU.

Add to that the fact that your score, while you have an AU, may be questioned by a prospective creditor as not representative of only your own risk assessment, and you have ample reason to dump the AU.

[Anonymous]

I'd say the only situation that calls for it is when you need it to get secured cards versus unsecured

[Aahz]

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@Anonymous wrote:
I'd say the only situation that calls for it is when you need it to get secured cards versus unsecured

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I'm assuming you meant "to get unsecured cards versus secured".

[Anonymous]

Is been a long day