topic Re: Jcp- will adding an au with different last name and address report to bureaus? in Credit Cards

Jcp- will adding an au with different last name and address report to bureaus?

Misshopeful72 — Tue, 10 Apr 2012 03:35:09 GMT

Does it report to the credit bureau if the creditor only gets the name? What is the person lives at a different address then the account holder? Jcp said they only need the name and nothing else.

Re: Adding an authorized user with just a name

pakman92 — Tue, 10 Apr 2012 01:53:24 GMT

When I was put on DW's Costco Amex as AU, they also asked for my address, I believe. no SS #, tho.

Re: Adding an authorized user with just a name

haulingthescoreup — Tue, 10 Apr 2012 01:55:11 GMT

Misshopeful72 wrote:
Does it report to the credit bureau if the creditor only gets the name? What is the person lives at a different address then the account holder?

It varies by lender. Some connect the dots, others don't.

Different address and especially with different name might well not report, unless there's a shared address listed in the past addresses.

Which card/ bank/ lender are you considering? --or who only asked for the name?

Re: Adding an authorized user with just a name

Misshopeful72 — Tue, 10 Apr 2012 02:42:55 GMT

Since my mom has a jcp card that is 20 years old low utilization and never late she was going to put me as an authorized user tomorrow and when I called jcp they said they will only ask for my name. We have different last names and live at different addresses? I don't know if there is a way they can add my ssn so it would report. The csr said they don't do that but I read somewhere on this board that that's what they did. I really want her good trade line to help me!

Re: Adding an authorized user with just a name

haulingthescoreup — Tue, 10 Apr 2012 03:11:22 GMT

You might want to edit your thread title on the original post, something like

JC Penney: Adding an authorized user with just a name?

All you have to do is go back to your original post, click Options over on the right, select Edit, and place your cursor at the beginning of the Subject box. Then you could add the question mark at the end, if you want to get fancy.

I don't know if JCP reports AU's, but that would be a way of catching the eyes of those who do know.

Re: Adding an authorized user with just a name

Misshopeful72 — Tue, 10 Apr 2012 03:35:51 GMT

Will do...thanks!

Re: Adding an authorized user with just a name

m29 — Tue, 10 Apr 2012 16:47:23 GMT

My DW added me as an AU on her JCP card with just giving my name and it started to report on my CR with the next billing cycle!!

Re: Adding an authorized user with just a name

Misshopeful72 — Tue, 10 Apr 2012 17:00:46 GMT

I wonder how it works since I have a different name and address then my mother so how will I be found for credit reporting

Re: Adding an authorized user with just a name

m29 — Tue, 10 Apr 2012 17:13:34 GMT

Misshopeful72 wrote:
I wonder how it works since I have a different name and address then my mother so how will I be found for credit reporting

Did a little searching and came accross this thread by Booner72, I think that basically answers your question, unless someone else has had a different experience!

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GEMONEY-and-AU-s/m-p/1036268/highlight/true#M151454

Re: Adding an authorized user with just a name

Misshopeful72 — Tue, 10 Apr 2012 17:18:56 GMT

Thanks for finding that for me. I updated my address on transunion to match my moms so hopefully that will help

Re: Adding an authorized user with just a name

coerciondotde — Thu, 19 Apr 2012 06:00:54 GMT

Did JCP end up reporting?

Re: Adding an authorized user with just a name

Misshopeful72 — Thu, 19 Apr 2012 10:53:22 GMT

No it didn't report yet

Re: Jcp- will adding an au with different last name and address report to bureaus?

MissExcellentCredit — Thu, 19 Apr 2012 11:14:08 GMT

From my experience, JCP does report AU's. Case in point: My husband added me as an AU on his JCP card. However, his ultilization was way high. Like 4,500 of a 5,000 limit. So I called the bureaus and asked to be removed. Although his payment history is excellent and his credit limit fairly high, my FICO went UP when I took myself off. I suppose it was because of the high ulitization.

Re: Jcp- will adding an au with different last name and address report to bureaus?

Misshopeful72 — Thu, 19 Apr 2012 11:20:16 GMT

Since I don't live with my mom I don't think it will show up on my credit. Her address is one of my previous addresses so I don't know if that will help or not?

Re: Jcp- will adding an au with different last name and address report to bureaus?

haulingthescoreup — Thu, 19 Apr 2012 13:09:39 GMT

Misshopeful72 wrote:
Since I don't live with my mom I don't think it will show up on my credit. Her address is one of my previous addresses so I don't know if that will help or not?

It still might.

Do you know if a statement has posted yet (since you were added on)? If so, when?

Generally AU's show up soon after a statement. JCP updates to the bureaus, and then they post. Immediately for EX, anywhere from 3-7 days for EQ and TU.

Re: Jcp- will adding an au with different last name and address report to bureaus?

Misshopeful72 — Thu, 19 Apr 2012 13:45:55 GMT

The April statement already cut before I was added so I'll see if I'm added at the beginning of may when that statement cuts