How will adding AU account effect scores?

[Anonymous]

I am in the process of refi my scores are: EQ-653 (2 disputed collections), EX-684, TU-691.  I have recently paid down my cc util from 45% to 8%.  In addition, I am an AU on my fiancee's cc with a 10K cl and $900 bal.  My question is should I contact cc and request that they report to CRA? How will this effect my scores? I have been on the account for over 6 months.

[llecs]

Where are you pulling your scores from? When was the last time you pulled them?

[Anonymous]

Not all lenders report AU accounts to the AU CR.  However, if they do or will, then depending on the history, age and balance of the account, it may help your scores utilization, AAoA, oldest card and high credit limit.

[Anonymous]

  I pulled them last week.  EQ and TU from myfico and EX from thier website.

[llecs]

I had to ask because of EX's departure and some FAKO scores, like the VantageScore, do not score AU accounts.

How old is this AU acct in comparison to your average age? If older, then your score will improve. If younger, then your score could take a hit.