Will being added as an AU help my FICO 5, 4, 2 sco... - myFICO® Forums

mistereman · ‎10-04-2024

I'm considering doing a home refi and need a bit of a score boost. I have some older tradelines I can be added to with high CL and low utilization but wanna know if that will factor into the older FICO 5, 4, 2 scores as I know in some cases AU accounts have no affect on your score. Thoughts?

Thomas_Thumb · ‎10-04-2024

AU accounts always count in the older Fico "mortgage" algorithms. Whether or not the account will help really depends on the account and how it is managed.

AU accounts do not count toward individual card or aggregate utilization with the newer Fico models. However, the card still adds to your total available credit and can enhance credit history even if it is not part of AAoA.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950

SouthJamaica · ‎10-04-2024

@mistereman wrote:
I'm considering doing a home refi and need a bit of a score boost. I have some older tradelines I can be added to with high CL and low utilization but wanna know if that will factor into the older FICO 5, 4, 2 scores as I know in some cases AU accounts have no affect on your score. Thoughts?

If they're older than your average accounts, yes it probably will help your mortgage scores.