Are you an authorized user on your credit report?

[Anonymous]

I'm trying to figure out what credit cards show up as authorized users on credit reports. I know Chase does not accept social security numbers and therefore it will not work. I want to add myself to my parent's credit cards to help my score, but I am not sure which ones will work.

Thanks for the help guys! 

[gymbo731]

A thread is already open on this:

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=199444#M199444

[Anonymous]

Tried searching, didn't catch it. Thank you very much

[Anonymous]

Do you have a common address with your parents, either now or previously?  If so, then you may very well match up and get CR reported even without SS#.

Otherwise, CapOne and BoA both collect SS# and so does AMEX....and they all report AU's. 

[Creditaddict]

actually chase does show up AU on credit.

Macy's does

actually I don't know many credit cards that don't report auth... pretty much all do.

GE does 

[daisyduke]

I'm an AU with BOFA, but EQ never picked it up. Still waiting, I think it has been quite a while now, maybe 5 months....TU and EX picked it up.  Bofa did not ask for my SS number, they do "address" matching and I have the same mailing address as the card holder.

[Jazzzy]

AUs that report for us are:

Discover

Sears Citi

Chase

AmEx

National City

[laz98]

bank of america does on all of my reports.  mervyns used to, before they went kaput.

[nothingman02]

---

@daisyduke wrote:

I'm an AU with BOFA, but EQ never picked it up. Still waiting, I think it has been quite a while now, maybe 5 months....TU and EX picked it up.  Bofa did not ask for my SS number, they do "address" matching and I have the same mailing address as the card holder.

---

BOA as most banks, do some sort of address and perhaps also name matching. 

I became an AU on my brothers  BOA but they did not show up for a little over 2 months on any of my CBRs. I even called them and offered them my SSN but they declined stating that they have their way of bringing up information in their system and that SSN was not required. I was instantly curious but they woulndt state anything after that. 

Anyways, I am not advocating anything here.

But with TU, I simply went online and changed my address to that of my brothers (I was living there for a while) and BOA showed up on TU  after that. 

With EX,  I bought their vantagescore with my brothers address and the AU showed up instantly. 

With EQ, I apped for a CC with my brothers address and the CCC provided the new address to all three CRAs while they reported the new TL and BOA came on instantly after that as well.

[daisyduke]

Thanks NothingMan -  EQ had a older address on file,hence the reason the EQ didn't pick it up. I finally got it corrected so it's a wait and see game now.  All of my creditors have the correct address!! I understand that could have been the reason for my address not getting changed correctly with EQ - so the one company that had an older address, I fixed that too....Have a great day.