04-18-2013 02:13 PM
04-18-2013 02:23 PM
04-18-2013 02:41 PM
04-18-2013 04:35 PM
I actually added her on 4 of my cards
Amex bce for backdating purposes and the fact that it will actually report because they asked for her SSN
CSP- so she can get us points
freedom- so she can get us points (freedom and csp make a great comho haha)
And chase united-shredded the card, just added her for the bonus 5k miles
And I'm pretty sure non of the chase cards will end up on her report because even though she lives with me, her legal address is different
Once the Amex reports, all of the others will report, as your address will appear on her credit report, since Amex will report your address with the account.
I added DH to my Chase and Discover and Amex. Chase and Discover did not start reporting until a month after Amex had reported. After Amex reported, then it was all good
04-18-2013 05:47 PM
04-19-2013 04:42 AM
Thanks webhopper! That's some really useful information! Good to know the chase cards will end up reporting
If I remove her as an AU on a the united card how long would it take to come off of her report?
Not 10 years like normal accounts right?
If you remove her as an AU, and she doesn't want it to report, then she can dispute as "not mine" and it will come off.
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.