I added my 20 year old brother as an AU on my Marriott, BofA and Venture. He only has the card to one. BofA has been open since 1/15, Venture 12/15, Marriott 2/16. I added him because he has ZERO ZIP ZILCH credit history, not even student loans since he's on 100% scholarship. He doesn't need credit right now but most likely will soon after he graduates. Before I added him we tried to check his scores on CK and they couldn't even find him because he had nothing in his name. How long after adding him as an AU can he expect to see his score generated? I plan to keep these cards open long term, so by the time he needs to apply for anything, I reckon there would be decent history.
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680
Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
