03-27-2013 08:07 PM - edited 03-27-2013 08:08 PM
Well my experience with adding an AU, it will show up on their credit reports. I applied for and received my Discover card last month. During the process, when asked if I wanted to add an AU, I added my boyfried. I was only asked for his name, nothing else. I figured it'd be great for him to have a card so I could have him run errands for me when I work late.
I just assumed his status would be like the "Authorized Buyer" as stated from what that Discover rep told you. However, the account reported to his credit report at the same time it reported to mine (about a week later). I never provided his address, SSN, or even birth date. He does not have an inquiry listed either. Also, I used my mailing address (which is a UPS Store mailbox) for my application. My boyfriend also has his own mailbox at the same location, but we have different mailbox numbers. I guess Discover make a partial match with the street name and number and figured it was a good enough connection.
So I can verify from my experience, that just adding an Autorized User (name only) can be enough to have it report on the AU's credit report.
04-15-2013 10:20 AM
I was added to my father in laws Discover Card as an AU at the end of March. Nothing has shown up on my report yet. I assume it will take 30 days? and what experience have any of you had with your scores changing as a result of being an AU? For expiable: his discover has been opened since 1985, never late and probably an insane CL... I won't know the details until I see it on my report.... if that really does happen...
05-26-2013 05:18 PM
Can I ask what the result was in terms of your credit scores? I have the same experience - and expect the new line to show up in a matter of days. Did it jump your score? or hurt it?
05-26-2013 06:57 PM
Make sure that your address matches that of the primary cardholder... I found this was what was needed to get my DH's AU Discover to report as well as his chase card. Did this by adding him to Zync, which updated his address on Credit reports... After Zync started reporting, Chase and Discover followed suit
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
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.