what are people's opinions on whether it is worth it or not to become an AU? On a separate issue, any opinion on whether the multi-tiering is just for mortgage report(and not FICO scores) or it is for both. my situation: 7 months post bk 7 capone 500, fcnb 600, orchard cards 1700. Now I think I want to cancel orchard but the limit is so much higher. Also Nissan loan like 20 months old. I can become an AU for BofA and Amex Blue. Plus I'd feel better wiping out either of those instead of FCNB at the grocery store and what not. BUT if it will hurt me I dont see the point.