Joint Card

[Anonymous]

My credit history is 15.7 years and AAOA is 3 years now my mom has a credit card if she adds me as a joint to it and it is 29 years old will that through my AAOA high up im at 767 Fico  and Im trying to go past 800.

[Anonymous]

That would significantly affect your AAoA.  The ideal AAoA is over 6 years...the older the better, but 6 being the threshhold of beginning to be in the "high achiever" zone.

[RobertEG]

You may want to be added as an authorized user (AU) rather than as a joint account holder.

Going from sole to joint account may result in a hard pull on both of your CRs.  Also make sure that, when they resiissue the new account, it retains all of the history of the old account. 

You can always back out of AU status, but cant back out as a joint account holder.