04-18-2012 11:00 PM
Did JCP end up reporting?
04-19-2012 04:14 AM
From my experience, JCP does report AU's. Case in point: My husband added me as an AU on his JCP card. However, his ultilization was way high. Like 4,500 of a 5,000 limit. So I called the bureaus and asked to be removed. Although his payment history is excellent and his credit limit fairly high, my FICO went UP when I took myself off. I suppose it was because of the high ulitization.
04-19-2012 04:20 AM
04-19-2012 06:09 AM
Since I don't live with my mom I don't think it will show up on my credit. Her address is one of my previous addresses so I don't know if that will help or not?
It still might.
Do you know if a statement has posted yet (since you were added on)? If so, when?
Generally AU's show up soon after a statement. JCP updates to the bureaus, and then they post. Immediately for EX, anywhere from 3-7 days for EQ and TU.
04-19-2012 06:45 AM
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.