When you are added as an authorized user to someone else's CC account, do they automatically start reporting to the CB or do you have to ask them and supply your SSN? My grandmother has a bunch of good accounts and my brother and his wife both have FICO's around 800 (he was the smart, responsible one!) Not sure if he'll do it, but I know my Gram will! Just want to make sure my bases are covered before I have her make the calls. Also, I'm thinking just 2 accounts that are 3-5 years old with no lates. Is 2 accounts too many or too few? I'm looking to raise my score at least 50 points by doing this, and another 50 by clean up in the next year. Sound plausible to you guys who have been there done that?
Have him and her add you to everything they have if they're willing. Make sure there are no lates, the account is at least one year old, and that the utilization isn't over 33%. You will get quite a score increase from this. 50 points is a foregone conclusion. As to whether you'll get 50 points from deleting items, it depends on your reports and how proficient you are.
