@webhopper wrote:
Citibank is one that doesn't ask for the AU's SS# so how would a CRA know one John Smith from another?
I'm not sure how it works but it does work.
For me, it worked perfectly once my fiance's credit report started reporting our new address.. It lines up their name with the address. The address wasn't updated on his report until i added him to my Amex, which used his ss# to report to the bureaus... They reported his new address, which is same as mine
What happens if the AU's address isn't the same as the account holder like in my case? Or was that in your case also at first?
Yep. As posted, it picks it up by addresses. Last names don't even have to match. There's other ways as well. Parents add on kids that have different addresses and some how it still manages to get picked up. Friends add friends to cards, again, different addresses, but still shows up.
Yep. My DH and I were added on as AU's on a Shell card that his dad opened up back in the 90's after we got married to help us build or credit. We had different addresses, didn't have to provide our SS #'s, same last name, that was it.
Anywhere from a month to two months you should have a pretty good idea.
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!