@rchvmz wrote:My daughter added me as AU with her Citi card--its 4.5 yrs old. Perfect pymt history--0 balance, 6k cl. .......it did not ask for SS, and has showed up on EQ 1st-----when It gets on TU and EX, will the age of the card help my AAOA? My BK just discharged--I have 8 CC and 1 installment--all perfect, oldest card is 13 months, newest is 3 months. The oldest card was Capitol 1--which was added in BK and is going to fall off with all the rest of the BK cards. Thanks in advance. I love this site.
It will help the AAoA but there is no consensus on which AAoA specific lenders focus on. My Experian monitoring service report shows AAoA including AU accounts on the first page and AAoA excluding AU accounts on a subsidiary page.
There is also a separate AZEO penalty for AU accounts. I just confirmed this through personal experience today. All my AU accounts reported as zero as of today and my EX 08 score dropped 14 points, from 702 to 688. I don't know if a single AU account would be treated the same way (I have 5), but it's worth keeping in mind. Basically, you want to make sure that all your primary accounts except one are reporting a zero balance, and the same with all your AU accounts.
@rchvmz wrote:My daughter added me as AU with her Citi card--its 4.5 yrs old. Perfect pymt history--0 balance, 6k cl. .......it did not ask for SS, and has showed up on EQ 1st-----when It gets on TU and EX, will the age of the card help my AAOA? My BK just discharged--I have 8 CC and 1 installment--all perfect, oldest card is 13 months, newest is 3 months. The oldest card was Capitol 1--which was added in BK and is going to fall off with all the rest of the BK cards. Thanks in advance. I love this site.
When was you BK DC?
"I have 8 CC and 1 installment--all perfect" How many are open right now since BK?
