re: Son got denied for a credit card

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All of this does not add up, a 22 year old does not have a 800 score simply by being a user on you account. period. He is either mistaken or full of shite.

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It is very possible. My 19 yr old is an authorized user on my Amex and an old Cap One card and his score is 760 as of last week. He isn't listed on anything else except his car that he bought in March when his score was almost 780. I could very easily see his score over 800 in 3 yrs.