Do authorized users backdate to when the account was opened?

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Do authorized users backdate to when the account was opened?

Postby JoeyJon » Wed May 23, 2012 2:29 pm

I am thinking about becoming an authorized user on my sister's card. The only reason I would do this is to increase my credit score, I don't need the card.

My sister has a Marshall Field's card that is 27 years old with never a missed payment.

My only question is, if I become an authorized user, would it register on my report as 27 years of credit (then I would get authorized for that card - it would help my credit) OR would it just register on my report as starting a credit line on today's date (then I wouldn't get authorized - it would hurt my credit)?

Thanks everybody!

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Postby Maximilian » Wed May 23, 2012 3:37 pm

Very good question! I'd like to find that out as well.

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Postby Crashem » Wed May 23, 2012 6:34 pm

With the sole exception of AMEX, being added as AU on a card will give you an exact duplicate of the trade line with it noted that it is an AU account. So you would inherit all the good and bad aspects of that trade line. Most times with good trade lines, this is good. But it can be bad, if you have a low credit limits and someone adds a great card with high limit but high reported balance. So your util is basically overhelmed by the high util on the card even though the tradeline is positive. However, some FICO scoring models discount AU status if considered "piggybacking." But for the most part, it is a good thing.
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