Triggered a score update and wasn’t expecting it

[Brooklyn2018]

I added my best friend to my DISCO card(1 yr-no lates) as an AU to help him generate a score. I figured the next month it would update and we’d see where he stands.
Well, it triggered an update to EX and now his score is 673. He has 1 collection(3.9 yrs old t-mobile $114)

Is this normal? Will adding an AU trigger such things as an update?

I wasn’t expecting that to happen so quickly. It updated 33% UTL😡 I usually pay down my Card throughout the cycle to bring down between 1-8.9% before statement cuts but, this took me by surprise.

What score expectancy can he anticipate with the collection either deleted or paid $0??

I would appreciate some good feedback, thanks!

[Revelate]

One year one account no derog probably 740-750 FICO 8 (assuming it counts on all bureaus).

He should get some of his own though now that he has a score.

[Brooklyn2018]

Thanks Rev for the reply.

Checked on the collection and they will not PFD. So, he PIF. Done!

I had him hit all the prequal sites and Cap1 was the only one that offered unsecured. So, had him app for the Platinum w/$500 SL. I’ll keep him on as an AU until he decides he wants off.
Any advice on how long(I would imagine at least a year) he should app for something else to hit the 3 cc 1 install?

Thanks👍

[Revelate]

If he can go the secured route I'd pick up something useful like Discover or BOFA basically right now.

If not, hang out for six months to a year, at that point better options will open up but might want to check over on the CC forum as I really haven't kept track with the current UW guidelines of various lenders.

[Brooklyn2018]

Thanks Rev!👍

Awesome as always!😉