To My Credit wrote:So I can only stand to benefit from being an authorized user on this account. My AAoA has jumped from 6 months to over 5 years on Equifax.
I believe it also depends on the model being used too. Some models my factor in the account age on an AU account, but some may exclude it. Congrats on the AAOA jump on that bureau and model!
I think this also brings up a good point about the responsibility of both the AU and the primary cardholder in these types of situations. People tend to only focus on the AU's responsibility and the risk to the primary cardholder, but it definitely cuts both ways. I very much believe that if you make someone an AU on one of your accounts then you
now have an even greater responsibility to keep the account in good standing, since you'd potentially affect their credit too. And of course likewise just as we often caution people about deciding carefully whether or not to make someone an AU, the AU also needs to carefully consider the ramifications.