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Good morning, I was curious to see if anyone had input on my current situation. I was chatting about a different thread/topic and they suggested I become an AU. I think this is a great way to bump me up a bit but wanted to see if anyone has experienced this specific issue. The commenter gave me great advice but, since our discussion was nestled into a different topic/forum and this issues is pretty specific, I thought I would try here before requesting to be added as AU. I had a Chase CC go south in 2019. They finally charged off in 2020. Since the CO will remain on my account through 2025, last week I chose to pay/settled for less. This CO is newly paid but, I've called to confirm, it is officially paid. My husband's chase CC has a $5400 limit, he's never been late. Utilization is about 6% and he does not carry a balance. It is his only CC (we are working on getting him another one) Considering my recent Chase CO, would I still approved as a AU? Has anyone else tried this with Chase and been successful? I'm curious on whether I should wait (which I really do not want to do) or am I beating a dead horse b/c its Chase? I know that Amex, minus a few exceptions that slipped through the cracks, will deny an AUs if they have previously had a charge off or somehow burned Amex previously. I don't see anything in the groups about that with Chase. Any suggestions or guidance will be appreciated! *additional info: My credit issues bring me to around 630 - consist of unpaid medical collections (I'm dealing with them today), Chase (paid) and Navient CO (unpaid), thin file (1 CareCredit CC opened in March with $4900 limit, mortgage on time payments). My husband's is about 730, 2 unpaid medical collections for less than $100, 1 Chase Card w 6% utilization, onetime since 2007 (we are looking into an additional 2 cards to expand his file), on time mortgage, on time student loans (about 7 of them). Being added as an AU will definitely help me - I won't be using the card except to put utilities, bills to show usage.

Last week I was added as an authorized user to a family member's account in great standing with many years of great history and a limit of 20k. We're planning to leave me on as an authorized user for 2-3 years. My question is, after 6-12 months, will i start getting credit card offers with limits of 20k as well? How does the system decide these things? I'm also paying a small loan through the year and just received my Navy Federal secured credit card with a $500 limit and plan to use it only for my $25 loan each month on auto pay. Are these tactics going to raise my score considerably over the next 3-6 months. Any advice will help, as this is a question google could not completely provide detailed answers for. Thank you all for reading/responding. current fico score from multiple sites= 423-440

Does anyone know for sure(personal experience) whether or not Bank of America reports authorized users to the credit bureaus? I get a differnet answer from everyone. Including the reps at Bank of America. I've gotten three different answers from them. 1. Yes 2. Only if you're a spouse. 3. No, in any circumstances. Conflicting info on the boards as well. Any of you AU on a loved one's BofA? Is the account on your credit report? Thanks.