Reply
Established Member
Posts: 32
Registered: ‎09-23-2011
0

Discover Card AU or Joint Account Holder

Hello, My fiance has a Discover Miles card.  If she lists me as an AU, will it report for me on my credit reports.  If not, Will being added a joint user mean a HARD pull for me or will they just add me?  If it is going to be a HARD pull, it is not worth it.  I have her as an additional user on my AMEX gold card. We are paying for a lot of wedding stuff as well as trying to build and maintain our good credit histories so we figure adding each others cards to out profile will be helpful not only for the finances but for our credit reports as well. Any advice is appreciated.

Valued Member
Posts: 28
Registered: ‎09-05-2011
0

Re: Discover Card AU or Joint Account Holder

My girlfriend added me as an AU to her discover card (not sure which one it is).  All she had to do was put in my name.  Adding an AU does not result in a hard pull.  The account, credit limit, and history were reported to all 3 bureaus within a matter of a few days, and showed up on my credit report the next time I checked it.  I'ce heard that   Discover is especially good about this?

 

Notes:

 

We live at the same address

Not married

No hard pulls on either person's report.

Established Member
Posts: 32
Registered: ‎09-23-2011
0

Re: Discover Card AU or Joint Account Holder

Thanks for the info. I hope thats how it works for us. However, we do not live at the same address yet. So that is what I am concerned about.

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.