07-16-2013 05:52 PM - edited 07-16-2013 05:54 PM
I already used my free annual reports for the year. I asked about disputing it because I am just assuming it could be AU accounts. But according to my friend in the email, he added me to UBT (not Amex). Plus it says 2 Amex accounts. I'm still waiting to hear fro my friend to confirm if he indeed added me to his Amex account. Otherwise, I have no idea where the accounts originated.
07-16-2013 06:07 PM
07-16-2013 06:22 PM
Unfortunately those reports are only available online for 30 days and do not update. I pulled back in April so the report has expired, plus it wouldn't have shown the new Amex line yet; it just reported on July 15th according to CreditSesame. Thanks for the suggestion (I did quickly try it!).
07-16-2013 06:25 PM
07-16-2013 06:34 PM
I just tried for my Experian report; got the 30-day expiration notice. I will check to see if the same happens for the other two.
07-16-2013 09:23 PM
No dice with Equifax or Transunion either. I will call Experian tomorrow to address the issue.
07-17-2013 05:09 AM
Credit Card piggybacking only works if the account owner is related to you (Wife/husband/parents). I suspect if you are added as AU on a friend's card it wont report to your Credit. But thats just a guess. They have modified the law of AU as lots of credit fix companies were illegally adding users to unknown people's credit cards with big limits and old history. Thats against FCRA law.
07-17-2013 02:31 PM
I just looked at my updated TU file. One Amex account is showing as an AU. Here is the info verbatim (account # "hidden"):
AMERICAN EXPRESS #123456789****
PO BOX 981537
EL PASO, TX 79998
Date Opened: 06/11/2013
Responsibility: Authorized Account
Account Type: Open Account
Loan Type: CREDIT CARD
Date Updated: 07/13/2013
Payment Received: $0
High Balance: $3,189
Pay Status: Current; Paid or Paying as Agreed
Should I just leave it be? Or have my friend remove me for certain, or call to make sure myself? The UTL is pretty high.
07-17-2013 02:42 PM
I just got a notifcation from Creditsesame that 2 new accounts reported on Experian: both Amex. The problem? I didn't apply for any Amex accounts.
How should I start with checking this out? Call Experian? Call Amex?
Any advice is appreciated. Thank you.
same here! but mine was total rewards visa.....think it was just a credit sesame glitch! happened like a week ago. pulled my report, and nothing had changed(i already had a Total rewards visa).
07-17-2013 02:45 PM
Credit Sesame has been glitching for me lately and everything that shows up on the monitoring shows twice. I got a cli from GE and it said I got two increases. So it is likely the one AU account showing up. If that's a charge card utilization doesn't matter, but depending on what your profile looks like being an au isn't really going to help much anyways.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.