We all know that, Fair Isaac, which created the popular FICO credit score, is making some small adjustments to the way it calculates American people’s credit scores. My previous report pointed out that the authorized user account will not be calculated in your personal FICO score. But according to the latest news, Fair Isaac will re-consider the new change and will take your authorizes user account as a factor of your FICO score. This might be good news for those who want to take advantage of policy.

Last month, Fair Isaac announced that its latest credit scoring system, “FICO 08,” will include authorized user accounts when calculating someone’s FICO credit score. Some credit repair companies used this policy and offered a way for folks with bad credit to raise their FICO scores. You would pay thousands of dollars to get added as an authorized user to the credit card of someone with a great credit history. When that account showed up on the authorized user’s credit report, the person’s credit score would rise. Normally, the authorized user will not receive the credit card.

However, it could be a long wait for us to get the new FICO 08 score. Fair Isaac is still revising the model with the three major credit reporting agencies, after which the company will focus on getting lenders to test and use new FICO. About the authorized user issue, it has been long known that if you have an account with a primary account owner with super credit performance, your credit score will be improved. Could people still do so by getting family members with great credit to add them as authorized users and improve their own credit performance? It seems that Fair Isaac will take this into consideration and make some necessary changes.

If you look at how FICO score are calculated, you would find that you can benefit from being an authorized user in the length of credit history and amount owed which take 45% of your FICO score. But there is still a risk— what if the primary account holders make a mistake? Authorized users could see their credit scores plummet if the primary cardholders default on the accounts.

It’s a really new policy and we should wait until the final result comes out.