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@j_casteel wrote:I spoke with my brother and he said he's already made me an AU on both cards and used his own address. Guess we'll see how things go in a month or 2.
Thanks,
John
The nice thing about being an AU is that you can reverse any damage done, if there is any.
@OhioCPA wrote:
@j_casteel wrote:I spoke with my brother and he said he's already made me an AU on both cards and used his own address. Guess we'll see how things go in a month or 2.
Thanks,
John
The nice thing about being an AU is that you can reverse any damage done, if there is any.
yeah, i'm thinking that this should really help me out though. Wish me luck....I know this is just a temporary fix, and I'm treating it as such. As soon as i can get my own prime cards i will remove the AU's.
For the most part, all AU accounts are reported to the credit bureaus. Thing is, if the card issuer only asks for your name, they will use the address of the primary account holder. If you don't already have that address on your report, it almost certainly will not show up. On the other hand, if the issuer asks for your name, address, and SSN (like AMEX and CapitalOne) it almost certainly will show up on your report. I would strongly suggest using your real address when given the opportunity... The side effect of your brother using his address (but presumably your SSN) is that his address may end up on your credit report, which could trigger the other accounts (reported under your name/his address) to show up... But it's all very YMMV, since the matching is done by the reporting agencies based on what's passed on to them by the issuer.
@ajh5408 wrote:For the most part, all AU accounts are reported to the credit bureaus. Thing is, if the card issuer only asks for your name, they will use the address of the primary account holder. If you don't already have that address on your report, it almost certainly will not show up. On the other hand, if the issuer asks for your name, address, and SSN (like AMEX and CapitalOne) it almost certainly will show up on your report. I would strongly suggest using your real address when given the opportunity... The side effect of your brother using his address (but presumably your SSN) is that his address may end up on your credit report, which could trigger the other accounts (reported under your name/his address) to show up... But it's all very YMMV, since the matching is done by the reporting agencies based on what's passed on to them by the issuer.
yeah, he's called and confirmed with AMEX already. It will show up...they asked for more info than just my name. Guess, we'll just have to wait and see about Citi. If they don't show up then he'll either call and request that they report for me or i guess we can just remove it.
Having such high CLs will help you lots. I just aplied this Wednesday for a HHgregg CC in store and was approved instantly with a 5K CL.
I´m still a student and I bet my parents´ old BoA (only card that would appear in my credit report) AU did the trick. Btw, they only needed my name as well.
Let us know how Citi handles your request please.
if citi did not request the op's ssn then how would they report the tradeline on his reports?
@OhioCPA wrote:
@Crashem wrote:
Also, if you and your brother don't share common address, the cras may not pick up your au accounts as you saw with Citibank, they just asked for your name. Might have to get his address onto your credit report somehow.
Amex does ask for SSN for ACM so it is possible to match on that alone.
Since the OP's brother is going to destroy the cards I see no problem with using his address for the AU. This would give him more control over the account anyway.This would prevent the OP from ordering a replacement card that which would be sent to the address on record.
Thats why I didn't mention the AMEX and only the citibank. The AMEX will show.
@rootpooty wrote:if citi did not request the op's ssn then how would they report the tradeline on his reports?
As stated above by ajh5408, by matching the name and address. A SSN match is not required for a lot of items that end up on credit reports, such as public records.
@OhioCPA wrote:
@rootpooty wrote:if citi did not request the op's ssn then how would they report the tradeline on his reports?
As stated above by ajh5408, by matching the name and address. A SSN match is not required for a lot of items that end up on credit reports, such as public records.
so lie and state that you live at an address that you dont live at? seems like a legit way to try and trick the system