Hello - New to here - found the website & seems great! I have a VERY low score of 460. Have some charge-offs & closed all my credit card accounts. My mom is willing to put me as an "authorized user" on her absolutely perfect VISA card that she has had for 12 years. Will this help my score substantially? Or should I not get too excited about a huge jump in my credit score? Thank you SO much!
I picked up 40 pts by being added as a joint user with my mother over three years ago. Took me from 550 to 590. Card had six years payment history, high limit and large open balance. The company which has now merged would not report authorized user, only joint. Most companies do report Authorized Users.
