I am an authorized user on an amex card. There is a $25,000 revolving balance on it. Does this affect my FICO score?
In my experience it does. I am an Au on fiance's Sears account. When it was maxed (took advantage of 0% offers), it did reflect negatively on my score.
"it depends" Some banks use the raw bureau score - that score includes AU accounts as if they were your own (this is a good & bad thing) Others who have a custom scoring model may or may not consider AU accounts. -mj
