authorized user affect on credit score

[noochski]

Does anyone know how being an AU on a Sears card affects your credit? I am an AU on a friends account and it shows on my EXP and TU reports. These two scores are lower than my EQ score even though my EQ score has a CA(that I just did a PFD on last week) on it that the other two don't. All other entries are exactly the same but those two scores are 15 points lower.

[pizzadude]

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@noochski wrote:

Does anyone know how being an AU on a Sears card affects your credit? I am an AU on a friends account and it shows on my EXP and TU reports. These two scores are lower than my EQ score even though my EQ score has a CA(that I just did a PFD on last week) on it that the other two don't. All other entries are exactly the same but those two scores are 15 points lower.

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Can I ask where you are pulling your scores ?  If you are pulling an Experian score then it is definately a FAKO score.   

[noochski]

USAA.com. The report they provided is the same one that I got from annualcreditreport.com last month.

[Lasardo]

They must have a late payment or something on their Sears card..if they are late or anything it would impact you negatively, however if they have positive history it will impact you positively.

[noochski]

I'm the only one who has ever used the card and the balance is currently $550 with an $1800 limit. I've had the card since 10/11 and charged $1500.00 to get my car fixed but paid it down to $600.00 by 2/12.

[pizzadude]

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@noochski wrote:

USAA.com. The report they provided is the same one that I got from annualcreditreport.com last month.

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These are not FICO scores, so I wouldn't spend a lot of time worrying about them.    Have you pulled a FICO score recently to know where you stand ?

[noochski]

I haven't pulled my FICO score yet. I'm just starting to pay attention to my CR and have started by getting accounts removed via a PFD letter and now just need some updates on the other account on my reports. I have two large medical collections on my CRs that I could really use some advice on how to handle. Due to the high balances I feel kinda helpless. . . How do I get an accurate FICO score?

[Lasardo]

Nooski, Do not feel hopeless. I have had to date..18 removed, although I used a credit repair service because of my overwhelming situation. My understanding is medical is the easiest to remove. Because I am new to the forum I do not know where to find these particular letters so I suggest you post "FCRA and HIPAA STATUTES" , "legal BASIS FOR HIPAA LETTER PROGRAM, DISPUTE LETTER, LETTER TO CA MEDICAL ACCOUNT DV/SOL/CEASE/DESIST or simply "medical collection" I am sure someone can point you in the right direction. The other option is on a lot of my accounts that I was unable to remove I made arrangement with the hospital and/or doctors to only pay $10 a month, I know without insurance a lot of hospitals will only charge 50%. Because I am on a "hardship" I sent in proof of my situation(bank statements, tax returns etc.) I got the majority of my bills waived.