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Crashem
Posts: 3,098
Registered: ‎01-26-2012
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Re: Authorized User ?'s


Emdee_MD wrote:

Thanks, I appreciate the response. Both cards just reported for me recently. So I suppose I will have to wait till Mid November to pull her last free report of the year and see how it looks! 


With the exception of AMEXs, adding someone as AU will give a duplicate tradeline on that AU's credit report with the addition of a AU notation.  Remember do not be fooled by the potentially high credit score that might result as most lenders discount AU accounts to one extent or another.

 

As for credit reports, you might want to sign her up for creditkarma.com and creditsesame.com.  Creditkarma will basically pull TU and give you pseudo credit report like reporting and free.  Creditsesame does the same for Experian but only updates once a month.

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