- Centurion Member
- Posts: 1157
- Joined: Sun Jan 26, 2014 3:55 am
- Location: US
It just depends on the individual's credit. Because there are so many factors that go into a score, it's not as simple as "how much will taking this action benefit one." There are a number of different scoring models: a given credit profile will benefit more from becoming an AU when model X is used over model Y. There are also three bureaus collecting information, which means three different sources of data for any given credit model. Using one credit scoring model, the number may be different when using TransUnion than when using Equifax. The biggest thing still comes down to the credit file of the person in question. Someone with a very long, clean credit history is not going to be helped as much as someone with a short, spotty history.
That said, generally the impact of a person being added as an AU is pretty minimal. It won't hurt you, but it also shouldn't be relied on as a way to improve credit.
I am sorry, but I don't understand what you are asking in your second question.
EX - 809 (11/16) | TU - 803 (11/16)
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now