Hey Bunnyrabbit. AU's differ from joint account holder's in that they don't necessarily have to report, and in the newer scoring models they try to weed out "fraudulent" AU's so that strangers can't add people as AU's just to help their reports. This might be a small issue since your daughter doesn't have the same address as you, but I'm guessing it should still be pretty easy to see that she is your daughter so that it will actually help her score. That's the only issue you could face with her having a different address, and even then it shouldn't really be a problem. As far as what the rep told you about things not reporting, I think they're wrong. The whole point of AU's is that you help the person's credit by giving them credit history and more revolving credit (as long as the balance isn't too high). I have DH as an authorized user on my AMEX, and it reports the date I opened it (not the date I added him) and all the balance and limit info.
P.S. DH won't be geting his card either! hehe 
Sent in the joint paperwork on Friday. They did a hard inquiry on his EX credit report the same day. Haven't heard anything from USBank, and my credit limit remains the same online. Crossing fingers that they added him. I'm nervous that they won't because of the negatives on his report 
Hope I didn't waste an inquiry!
@Anonymous wrote:Hey Bunnyrabbit. AU's differ from joint account holder's in that they don't necessarily have to report, and in the newer scoring models they try to weed out "fraudulent" AU's so that strangers can't add people as AU's just to help their reports. This might be a small issue since your daughter doesn't have the same address as you, but I'm guessing it should still be pretty easy to see that she is your daughter so that it will actually help her score. That's the only issue you could face with her having a different address, and even then it shouldn't really be a problem. As far as what the rep told you about things not reporting, I think they're wrong. The whole point of AU's is that you help the person's credit by giving them credit history and more revolving credit (as long as the balance isn't too high). I have DH as an authorized user on my AMEX, and it reports the date I opened it (not the date I added him) and all the balance and limit info.
P.S. DH won't be geting his card either! hehe
A rep did not ask anything else than her name and my mailing address.
I didn't even mentioned her that my daughter has different address, I only told her is my daughter has different last name.
That's fine with me. It is only 2.5k and average of $50 balance. Even she tells her father (she is a daddy's girl), it's not a big deal. What he is going to do to me? I am not going to add her to my any other ccs is sure ... for just in case she tells her father.