FICO Will Keep Authorized User Accounts

Fair Isaac has changed its mind about removing piggybacked accounts from the FICO score equation.

In 2007, Fair Isaac announced a new credit scoring model - FICO 08 - that would no longer consider authorized user accounts. This decision came on the heels of the mortgage meltdown. You see, many consumers who had bad credit scores, bought better credit scores by paying to be added to someone else's positive credit account. When you're an authorized user on an account, the account's entire history appears on your credit report and is calculated in your credit score. So, some consumers, who wouldn't have otherwise qualified for a mortgage, paid their way to application approval.

In a prepared testimony, Tom Quinn, Vice President of Global Scoring Solutions for Fair Isaac Corporation states:

"After consulting with the Federal Reserve Board and the Federal Trade Commission earlier this year, Fair Isaac has decided to include consideration of authorized user tradelines present on the credit report in the FICO 08 model. Our scientists have devised a method to consider these tradelines while materially reducing the negative impact that could arise from piggybacking."

Fair Isaac still plans to roll out FICO 08, though no dates have been communicated.

Welcome to's Credit/Debt Management site, led by your guide, LaToya Irby. LaToya has been the credit and debt management guide since 2007.


LaToya has been writing about personal finance professionally for seven years. She is passionate about helping others understand the value of good credit and debt management.

LaToya's credit and debt advice has been quoted in several online publications like   USA   Today, Black   Enterprise , and   Associated Press . She has experience working as a collection specialist in the financial services industry. She has worked with consumers to pay off their debts in a way that fits with their unique financial situation.


LaToya has a B.S. in Management Information Systems which gives her analytical and problem solving skills that she uses to approach financial management in a practical and effective way.

From LaToya Irby:

I know first-hand how easy it is to make credit mistakes and the helpless feelings that come with debt. My own struggle (and success!) with credit and debt drives me to help others avoid the mistakes I made.

Much of what I know I've learned through experience - my own and that of readers, friends, and family - and from a tremendous amount of reading and research. I'm happy to share what I've learned if it helps only one person achieve financial success.

Disclaimer : LaToya makes sure to offer accurate advice and information on this website, however she is not a certified finance professional or an attorney. Always consult an attorney licensed in your state with your legal questions. For details on state laws regarding creditors and collectors, your state Attorney General is a good place to start. Finally, seek a certified financial planner for professional financial advice. The information on this site does not constitute legal or professional financial advice.

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