03-31-2009 05:48 PM
03-31-2009 08:10 PM - edited 03-31-2009 08:20 PM
This could be for a variety of reasons:
1. Not all creditors report AU accounts, though most do.
2. Unless the cc your friend added you to required your social security number, it probably won't link to you because you are not at a common address, or that the account address is not your address of record.
3. Some creditors don't immediately report the AU, it may take a month or two if the above two don't apply.
4. If the account does link up and finally report to the CR, it will report the friend's address as a new address for you.
Also, your friend has no need to spend using the card in your name. The card issued in your name is the same account as the card issued in their name. When your friend uses the account in any way, the account is reported to the account holder's credit and AU credit, if AU is reported and if AU can be linked to CR by address and/or ss#.
So, if your friend put your name on a card, but the account address is not yours and the account does not have your social security number as the AU, then chances are it may not find its way to your CR.
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