Reply
Established Member
Posts: 36
Registered: ‎02-28-2013
0

Authorized User address question

My Boyfriend has a 800 credit score and a very clean and pristine credit report...about 70k in available credit with low utilization always making payments early.

 

I have NO credit history.  Cleaned up my credit report and since I have not been using credit.

 

My Boyfriend has added me as an AU to his Amex on Monday (3/25) and his Citi but we do not live together...do I need to add his address to my credit report to have Amex and Citi start reporting AU TradeLInes on my report or just sit and wait.  I've read some conflicting submissions on this forum and just wanted to check....

Established Member
Posts: 36
Registered: ‎02-28-2013
0

Re: Authorized User address question

anyone?

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Authorized User address question

No just be patient it will report. All he had to do was add you.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
Posts: 214
Registered: ‎03-25-2013
0

Re: Authorized User address question

I hope not, I just added my girlfriend to my BCE as an AU but we don't have the same address







Amex BCE $14k (backdated to 1/11), Chase Freedom $500 (11/2012)
Discover It Student $3k (3/13), Citi Dividend Platinum Visa $3k (3/13)
Capital One Cash Rewards Visa $3.5k (3/13)
Starting Score 3/20/13 - TransUnion FICO 758 - Goal Score 800
Established Member
Posts: 36
Registered: ‎02-28-2013
0

Re: Authorized User address question

Thank you! :smileyvery-happy:

Moderator Emeritus
Posts: 10,924
Registered: ‎12-30-2011
0

Re: Authorized User address question

Should definitely report; I think the conflicting information is around whether creditors will discount them or not.

 

Once they report, I would strongly encourage you to go pickup a few cards of your own :smileyhappy:.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.