so why would adding her help? her util. is already 0%
Starting Score: 583 (CreditKarma, 2009)
@pizzadude wrote:
@BlueHusky wrote:Well all of her credit cards were discharged in the bankruptcy, so isn't her AAoA 0 now?
And I have nothing on the cards I would be adding her on.
AAoA is calculated based on both the closed & open accounts on your credit reports. So if her accounts are older than yours it might slightly reduce her AAoA. If the cards have zero balances then that should be good, also they hopefully have no negatives or lates.
+1
