Regular Contributor
Posts: 129
Registered: ‎10-12-2012

Re: Authorized user question, csr confused me

OP: I added my wife as AU on Discover More 2 months ago. She got reported a week or two after that. I then called CSR to ask to convert wife to "Joint". CSR said I would have to fill out a form. They mailed me a form. Filled out with signatures of both. About a week later both of us got reported to 3 bureaus as "Joint Account".

FICO Scores: EX 744 (Quizzle), myFICO EQ 675, myFICO TU 708
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash 5.5k | AMEX TrueEarnings 4.5k | Cap1 Cash Visa 3.5k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | Discover IT1k
Store: PayPal SmartConnect 5k | JCP 4.2k | Banana 3k | Walmart 2.2K | Kohls 1500 | TargetRED 300
Regular Contributor
Posts: 177
Registered: ‎02-05-2012

Re: Authorized user question, csr confused me

:smileywink: Thank you for the answer, one card is about to report on the 19th fingers are crossed.

Current: TU 753 EQ 755 EX 753 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: Chase freedom 3,300 /Discover IT 2,250/ Zales 6,000/Care credit 10,000 / kohls 1,500/ LensCrafters 2,400/Capital1 platinum 1,000
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011

Re: Authorized user question, csr confused me

AUs do report. I added my mom as an AU to my Discover card and it reported almost immediately. She is also an AU on my CAP1 card and Chase Freedom to help her credit. They all report.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)

Frequent Contributor
Posts: 272
Registered: ‎12-28-2011

Re: Authorized user question, csr confused me

Just my 2cents - I have added my wife as an AU to ALL my cards (listed in my signature). They are ALL listed in her report regardless of lenders asking for all the info (like Amex - my wife's SSN etc) or just her name (like GECRB)...

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colon:smileywink: Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...

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