09-25-2008 11:09 AM
09-25-2008 11:42 AM
09-25-2008 06:16 PM
balhblaal wrote:More than one month ago, my roommate added me to his BofA credit card as AU user. It started to report on EX but still it does not report to TU and EQ. Does anyone have the same problem or any idea of how to solve this problem? By the way, we have different .... address information but this wasn't a problem for EX.I can understand that a roommate can have different address info.,,,But address info is the primary identifier used for locating a consumer credit file. Experian is known for having extensive address histories. It is possible that the address that your roommate shares with you only appears in your EX file.If you sign up to access your credit card online, even as an AU, you can register your official "permanent" address in your BoA profile. That way BoA will be able to find your EQ and TU files and should eventually report to those bureaus. In any event you will be registering your Social Security # for your online account. The SS# is actually a secondary consumer file identifier. Most likely BoA doesn't have your SS# on file or it would have been able to find your EQ and TU files without the benefit of a proper address.You could of course just contact BoA explain the problem, provide your SS#, and primary (non roommate) address, if you don't want to view the account online. Of course if you had an online account BoA will eventually start making you individual (non AU) offers that you can't refuse.
09-25-2008 06:39 PM
09-25-2008 07:26 PM
balhblaal wrote:Actually he added me online and at the form he also entered my SSN.You should be able to phone BoA and talk to the CSRs directly if the bank already has your SS#. Although you can't make changes to the card such as CLi requests, you can update your addy and request that the bank report the account to your credit bureau files.Since BoA already has your SS# (secondary identifier), it might eventually report to your files if you just wait a few months. Nah...why wait?
are you sure I can access to that account online as AU?I had accessed my BoA AU credit card online for years before I took over the account as an individual.I still access my credit card with the same online account. I also use the same online access for additional BoA deposit and brokerage accounts which I have opened in recent years.Bank of America online ROCKS
09-30-2008 02:36 PM - edited 09-30-2008 02:43 PM
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