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Each CB use their own formula to give you their version of your credit score or as we call it a FAKO score. Fair Isaac is changing their formula and this is what is most used when applying for credit and determining your score. AKA: FICO score

I use True Credit (Transunion) to monitor my CR's. The score I get is not what FICO gives me. There can be anywhere from a 1 pt difference to 100+ points difference.

So, my point is, even if you are an authorized user and it reports to one or more credit reports as such; you may have that included in your score when pulling individual reports. But, with FICO, it won't make a difference and won't help you.

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