10-09-2012 04:45 AM
I was added to my grandparents Discover card on Aug 28. The statement cuts and gets reported on the 26th of the month. Its still not showing on my credit report yet. I have called them and they have sent 2 off cycle reports and still not showing. Anyone have any experience with this? I have gotten mixed informtoin on whether or not they report AU's. Even talking to Discover, some of their reps say yes and some say no.
10-09-2012 05:22 AM
Discover does indeed report AU. My DH is an AU on my account and Discover shows on his credit report.
10-09-2012 08:20 AM
I just checked my credit report and I can see Discover on my EQ and TU. I'm an AU and today is the first day the card reported, I think it's just a matter of few days with EX. I also can tell you that YMMV with being AU period. I find that now my address is the same as my girlfriend since we moved in together and I'm showing AU accounts pop up now vs. not being on my credit report earlier. I think that you almost have to have same address as most of the companies that you allow AU do not ask for social security number so they do have to reference you somehow. CAP1 and Amex comes to mind that have asked for my social when adding AU and they appeared on my report. Other cards have not until now..they are slowly popping up though ever since address change last week.
10-09-2012 08:28 AM
Its been said before that Discover can be slow to report. I was approved for a Discover More with a co-signer and did not show up on my reports till 3 months after getting it. So it may be that it will take some time before it shows up. YMMV.
10-09-2012 09:11 AM
I show up on EQ and TU for my DW's Discover card but not EX, which really hurts my util on EX. It also gives me a lower AAoA on EX. Is there a way to get EX to show my AU on Discover? I have been an AU for over 10 years.
10-09-2012 09:31 AM
I originally thought it was just Discover being slow to report, but after calling and speaking with a rep, they did an off cycle report and i was told that the CRA's get that instantly. But it isnt showing on any of the CRA reports so i dont know. As far as the address goes i didnt think that would matter as Discover does have my SSN. There are websites where you can pay (large amounts of money, by the way) to be added as an AU to various accounts and i cant imagine that they make everyone change there address. It has been very frustrating as my mid fico is 619, so i am so close to qualifying for a mortgage and i think the AU card will get me the rest of the points that i need.
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.