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Authorized user question.....

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Anonymous
Not applicable

Authorized user question.....

I've been an AU on my grandmas sears mastercard ( to help me build credit) since around june of 2014. I view my credit report through credit  carma and cap one. It does not have it listed as one of my accounts. i try every month to buy scorewatch through myfico and it tells me that i dont have 6 months of credit  yet so i dont have a score... should'nt it be reporting?

Message 5 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: Authorized user question.....

i actually think it was may that i became an authorized user. but either way....

Message 6 of 12
09Lexie
Moderator Emerita

Re: Authorized user question.....

Credit bureaus use a matching filter ie last names, address etc. You will find a least likely match if you do not match their criteria since your SSN is not provided. 

Message 7 of 12
lord_kinbote
Established Contributor

Re: Authorized user question.....

Have your grandmother call the lender and provide your social.
Message 8 of 12
Anonymous
Not applicable

Re: Authorized user question.....

we added me to this account online and i had to put in my SS# then

Message 10 of 12
rockinw
Established Member

Sears AU

Does Sears report to AU credit reports? I am on DW's card as AU it has not shown up on my reports.

My Wallet: Quicksilver-500--Discover It-1000--BoA MC-11000
AU Cards= Citi MC-4500--Sears-6500
Message 1 of 12
bobkmn
Regular Contributor

Re: Sears AU


@rockinw wrote:

Does Sears report to AU credit reports? I am on DW's card as AU it has not shown up on my reports.


I am an AU on my wife's Sears Mastercard and it shows up on my reports and FICO.


Current scores: Experian-693 Equifax-720 TransUnion-727
Gardening since 4/7/2014 - Mouse over card for limit.
Message 2 of 12
slund5499
Established Contributor

Re: Sears AU

I got a Sears AU card issued in my name 2 months ago and the tradeline is still not showing up on jmy credit reports. Any suggestions?

In the garden since 02/1/23. Newest Account AU Discover It 10K
02/23 Scores; EQ 608 TU 642 EX 575 CCU: 20%, Inq. 2, 1, 2 Collections $39K
Lending Club: newest account 2/3/23. Old Fico 1/17 EQ 530 TU 542 EX 512

Message 3 of 12
BearsAndTurtlesRtheBest
Senior Contributor

Re: Sears AU

Thats strange. when I was signed up as an AU for this card it reported to CBs within that same month.

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 4 of 12
Anonymous
Not applicable

Re: Sears AU

ive been an AU on sears mastercard for 6 or 7 months now and still not reporting. any suggestions?

 

Message 9 of 12
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