Comments on: Being an Authorized User on Someone Else’s Credit Account Will Raise Your FICO Score http://www.askmrcreditcard.com/creditcardblog/being-an-authorized-user-on-someone-else%e2%80%99s-credit-account-will-raise-your-fico-score/ Latest Credit Card News, Reviews and Information Sat, 21 Nov 2009 01:24:43 -0600 http://wordpress.org/?v=2.8.6 hourly 1 By: Ginny Matthews http://www.askmrcreditcard.com/creditcardblog/being-an-authorized-user-on-someone-else%e2%80%99s-credit-account-will-raise-your-fico-score/comment-page-1/#comment-98954 Ginny Matthews Wed, 18 Feb 2009 22:30:23 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=587#comment-98954 I am an authorized user on my grandmother's credit cards. If something were to happen to her would I be required to pay them back. I am an authorized user on my grandmother’s credit cards. If something were to happen to her would I be required to pay them back.

]]> By: Dustin http://www.askmrcreditcard.com/creditcardblog/being-an-authorized-user-on-someone-else%e2%80%99s-credit-account-will-raise-your-fico-score/comment-page-1/#comment-84769 Dustin Thu, 02 Oct 2008 20:30:52 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=587#comment-84769 I monitor my credit frequently and I seem to have capped on score increases. About 6 years ago a family member used my identity to gain credit and goods and as a result I have spent the last 6 years raising my score and being meticulous when it comes to paying on time, etc. My scores were as low as 420 and now they are right around 630. I have one account that I was never able to get removed and it is just sitting there in the midst of good accounts on my reports. It reads on the report "Derogative" and has a balance of $380; yet it also says write-off as well. I have consulted with the company and they are not requiring the debt to be paid... BUT is this the reason the scores have stopped going up? Even though this creditor is NOT reporting in my "accounts past due" section? I am really trying to figure out how to get my scores to 700 and it seems as though they are at a hault... Any suggestions? I monitor my credit frequently and I seem to have capped on score increases. About 6 years ago a family member used my identity to gain credit and goods and as a result I have spent the last 6 years raising my score and being meticulous when it comes to paying on time, etc. My scores were as low as 420 and now they are right around 630. I have one account that I was never able to get removed and it is just sitting there in the midst of good accounts on my reports. It reads on the report “Derogative” and has a balance of $380; yet it also says write-off as well. I have consulted with the company and they are not requiring the debt to be paid… BUT is this the reason the scores have stopped going up? Even though this creditor is NOT reporting in my “accounts past due” section?

I am really trying to figure out how to get my scores to 700 and it seems as though they are at a hault… Any suggestions?

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