Credit Card Center Advertiser Disclosure

Posts: 15
Registered: ‎05-12-2012
0 Kudos

Adding Authorized User to Walmart Card Help

So today, I added my sister to my Chase Freedom and Walmart card. Both only asked me for her first and last name. I asked Chase if they would report to the credit reporting agencies and he told me probably and they would find my sister using her first and last name. How could this be? Yes, she is my sister, but we have different addresses and she never lived with me. What if I wanted o ad a friend, how would they find he/she? I dont know...


Is there anybody with experience that can tell me some information? Anyone ever added an authorized user with only the first/last name and that person not living nor ever did live with you?

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0 Kudos

Re: Adding Authorized User to Walmart Card Help

I would pull a report for your sister in a month and see if it successfully reported.

Thats all thwy wanted was name? That doesn't seem fullproof to me!

EQ FICO 548 3/3/16
Regular Contributor
Posts: 110
Registered: ‎04-04-2007
0 Kudos

Re: Adding Authorized User to Walmart Card Help

[ Edited ]
I added my son in January, Walmart and capital one is showing on his credit report.

Starting Score: 581 TU 549 EQ 541 EX(LO Jan. 2011)
Current Score: 696 TU (690 wally) 633 EX 652 EQ
Goal Score: 700 TU 700 EQ

Take the FICO Fitness Challenge
Capital One $500
Capitol One Secured $2000
Orchard $420
Walmart Card $700
Paypal SmartConnect $600
Amazon Store Card $700
Regular Contributor
Posts: 216
Registered: ‎02-11-2012
0 Kudos

Re: Adding Authorized User to Walmart Card Help

Your current address will have to be listed somewher on her credit files for each bureau for it to work properly. I was an AU on my parents account a while back, it only reflected on my EX cause it still had their address from a while back listed.


Your only other option would be for your friend to update her address to yours ... with one of her creditors, or somebody that reports to her CR.

FICO: EX 662 | EQ 670 | TU 681

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.