Hmm. Are you saying that FICO's formula that determines whether you can be scored specifically filters out AU accounts?
Because AU accounts, depending on the lender's policies and whether they consider you a "real" AU such as a spouse, definitely can count as old accounts and can definitely affect your AoAA, utilization percentage, etc.
It does not always, but it can, depending on the lender.
@Anonymous wrote:
I just applied and was approved for my own credit card. Not sure if the AU account contributed to that approval or not.
Congratulations.
