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Posts: 12,895
Registered: ‎12-30-2011
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Does an Amex Additional Card Member report as an AU?

Expecting someone has a quick answer for this one: I've never been an AU or ACM but as I understand it there's a notation for being an AU on the tradeline.

 

That said, Amex is an exception in that a new account number is generated, and the ACM doesn't inherit the base cardholder's history: it's a new tradeline.  Does it still have the Authorized User note on it, or does it report as a standard tradeline?

 

Thanks!

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Posts: 27,207
Registered: ‎09-13-2012
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Re: Does an Amex Additional Card Member report as an AU?


Revelate wrote:

Expecting someone has a quick answer for this one: I've never been an AU or ACM but as I understand it there's a notation for being an AU on the tradeline.

 

That said, Amex is an exception in that a new account number is generated, and the ACM doesn't inherit the base cardholder's history: it's a new tradeline.  Does it still have the Authorized User note on it, or does it report as a standard tradeline?

 

Thanks!


Yep, AU 

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Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: Does an Amex Additional Card Member report as an AU?


Revelate wrote:

Expecting someone has a quick answer for this one: I've never been an AU or ACM but as I understand it there's a notation for being an AU on the tradeline.

 

That said, Amex is an exception in that a new account number is generated, and the ACM doesn't inherit the base cardholder's history: it's a new tradeline.  Does it still have the Authorized User note on it, or does it report as a standard tradeline?

 

Thanks!


Yeap it shows as an AU.

If that person you are adding has an Amex account before, Amex may backdate the card MSD date. However, it's just a cosmetic backdate as the account opening date on the CRs doesn't change Smiley Sad

 

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Moderator Emeritus
Posts: 12,895
Registered: ‎12-30-2011
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Re: Does an Amex Additional Card Member report as an AU?

Thanks for the replies!

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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