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Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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Does NFCU report AU?

Does NFCU report AU's on account to the CRA's for CC's?

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Regular Contributor
Posts: 183
Registered: ‎02-03-2009
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Re: Does NFCU report AU?

No. You have to add them to the card. I just added my husband. They said in order to take him off the account in the future they will check my credit again and make sure that I can still qualify on my own for the card.
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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Re: Does NFCU report AU?


gpeach wrote:
No. You have to add them to the card. I just added my husband. They said in order to take him off the account in the future they will check my credit again and make sure that I can still qualify on my own for the card.
Do you mean they don't allow AU, only adding a joint holder?

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Frequent Contributor
Posts: 488
Registered: ‎04-09-2008
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Re: Does NFCU report AU?

You can have an AU who is not a NFCU member, they do not report the AU to the CRAs. They only report if they are joint appicants.
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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Re: Does NFCU report AU?

Sounds like most CU's don't report AU's....I've been told Alliant and PenFed don't report AU's either.

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Valued Contributor
Posts: 1,754
Registered: ‎11-03-2007
0

Re: Does NFCU report AU?

Intresting. My DW is not a member of PenFed and is an AU on PenFed CC and it does appear on hers creditreport.

 


txjohn wrote:

Sounds like most CU's don't report AU's....I've been told Alliant and PenFed don't report AU's either.


 

 

IN VINO VERITAS.
Regular Contributor
Posts: 183
Registered: ‎02-03-2009
0

Re: Does NFCU report AU?

NFCU will add a AU on your account. But they will not report to the CRA for the AU. In order to have an AU report to the CRA I had to add my hubby as a joint user.

And if I want to remove him they will check my credit again to make sure I still qualify for the card on my own. One nice thing was he did not have a credit inquiry. My statement cuts on the 6th and it showed up a couple days later.
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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Re: Does NFCU report AU?


wmarat wrote:

Intresting. My DW is not a member of PenFed and is an AU on PenFed CC and it does appear on hers creditreport.

 


txjohn wrote:

Sounds like most CU's don't report AU's....I've been told Alliant and PenFed don't report AU's either.


Thanks for the update on PenFed.

 


 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
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Re: Does NFCU report AU?

And yet, DH has a card, but the account does not appear on his records.

I swear, I have no idea how all this works out...
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Frequent Contributor
Posts: 423
Registered: ‎09-12-2009
0

Re: Does NFCU report AU?

I am an AU on my husband's NFCU cashRewards card which was opened on 10/7/09 and it has already reported me to EX. Hopefully it will also report to the other two soon as well.
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