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Regular Contributor
coerciondotde
Posts: 133
Registered: ‎02-23-2008
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Re: Adding an authorized user with just a name

Did JCP end up reporting?

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Contributor
Misshopeful72
Posts: 185
Registered: ‎03-05-2012
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Re: Adding an authorized user with just a name

No it didn't report yet
EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
Regular Contributor
MissExcellentCredit
Posts: 248
Registered: ‎11-20-2010
0

Re: Jcp- will adding an au with different last name and address report to bureaus?

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.



Current 2013 Score: ScoreWatch Transunion: 737, ScoreWatch Equifax: 723, Nordstrom Equifax: 734
Goal Score for January 2014: 750-809 range



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Contributor
Misshopeful72
Posts: 185
Registered: ‎03-05-2012
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Re: Jcp- will adding an au with different last name and address report to bureaus?

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?
EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
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Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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Re: Jcp- will adding an au with different last name and address report to bureaus?


Misshopeful72 wrote:
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.

* 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
Contributor
Misshopeful72
Posts: 185
Registered: ‎03-05-2012
0

Re: Jcp- will adding an au with different last name and address report to bureaus?

The April statement already cut before I was added so I'll see if I'm added at the beginning of may when that statement cuts
EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico

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