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Found 2 results

  1. 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
  2. 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.