david13579 wrote:I have 4 credit cards: 3 of my own and 1 as an authorized user for my mom. According to my report the authrized card has a credit history length of 9 years, one of mine has 4 years, one has 3, and one had 5 months, for an average of 3 years of history.
I became an authorized user for my mom a long time ago but I dont think it was 9 years ago. So I wonder if the 9 years is the time the account itself has been opened, and if so, if I become authorized on her card would that increase my history length or decrease it becaus they count it as a new card?
The easiest way to confirm if it's your mom's open date is to ask her what date shows on her credit report.
I think whether or not it is counted and how it is counted will depend heavily on the model and bureau. I think Vantage 3.0 counts it as an account and puts it into your average but FICO 8 shows the same date and just doesn't factor it into the age. (I think - this is off the top of my head and with only myself as my data point).
I think it will just depend on the model and bureau though.