- Centurion Member
- Posts: 240
- Joined: Wed Feb 18, 2015 9:04 pm
- Location: Texas
No, there wouldn't be a hard inquiry for this and no, account information from other accounts that you are not an authorized user on, won't affect you.
However, if he has any late payments on any accounts...I would take that as a strong indicator that it could happen on this account as well, and thus would affect you. Whether the late payment was due to financial difficulties or simply an oversight/organizational problem, it could certainly happen again.
Finally, even if late payments weren't a factor, I'd personally still not go for it if I were you. It sounds like you're doing well on your own and are on track to build a strong score and solid credit history. I don't think becoming an AU on an account you won't use simply for credit building purposes is necessary at this phase in your credit journey. If you were having trouble getting approved for cards, then sure, but in this case my advice is to just keep doing what you're doing and be patient.