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New Contributor
simyengi
Posts: 105
Registered: ‎07-07-2013

Authorized user - BoA

Earlier today my wife added me as an authorized user on her BoA credit card, which has no lates in 10 years. Just got off the phone with BoA customer rep who told me that they don't report any info to authorized user's credit file. Is this accurate?
Community Leader
Valued Contributor
DaveSignal
Posts: 1,737
Registered: ‎07-29-2011

Re: Authorized user - BoA

My wife is AU on my BoA card and it shows on all 3 of her credit reports.


  FICO Scores: EQ:712 TU:767 EX:706
Barclays Arrival World MasterCard $6.5k - BoA Travel Rewards Visa Signature $15k - SDFCU EMV $15k - NFCU goRewards $20k
Mega Contributor
Creditaddict
Posts: 16,862
Registered: ‎10-23-2007

Re: Authorized user - BoA

They VERY MUCH report AU.

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
New Contributor
simyengi
Posts: 105
Registered: ‎07-07-2013

Re: Authorized user - BoA

How does that work when BoA didn't ask for the social security number?
Mega Contributor
Creditaddict
Posts: 16,862
Registered: ‎10-23-2007

Re: Authorized user - BoA


simyengi wrote:
How does that work when BoA didn't ask for the social security number?

uses information like common name, address, phone, etc.

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
New Contributor
simyengi
Posts: 105
Registered: ‎07-07-2013

Re: Authorized user - BoA

Ok, so why would the customer service rep say they don't report?
New Contributor
simyengi
Posts: 105
Registered: ‎07-07-2013

Re: Authorized user - BoA

How long did it take to hit the credit report?

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