07-05-2007 12:50 PM
07-05-2007 01:15 PM
Amex reports AU TLs to the CRAs.
swingsetfun wrote:Well, I thought this was going to be my saving grace! My mom added me as an authorized user on her Chase credit card...however after finding out they do NOT report AU information to the CRA's I am in the same boat! Is there certain companies that do this, and some that don't? I am so confused. I know it will be over as of Sept. but we want to refi really quick and I don't care if its there in sept.Thanks for any advice.
07-05-2007 01:22 PM
07-05-2007 01:25 PM
07-05-2007 01:50 PM
07-05-2007 01:56 PM
I've got good news ...well at least in my opinion.... Chase customer service is top notch and they know their stuff. They won't talk to her though, just the account holder. They're happy to add the info but thankfully don't do it automatically so that people like myself can have an AU without sharing credit. I luv Chase. So far...
Don't give up... simply call Chase customer service and ask to speak with a manager, and put on a little bit of a "friendly buy frustrated" tone of voice. I was facing the same problem until I spoke with the right person. Tell them you accepted being added as an AU on this account specifically BECAUSE Chase reports AU info to the bureaus, and that you expect it to be done in your case. Be prepared to give them your social security number and date of birth, along with any other info they need, and then ask them to expidite the data to all three bureaus using their electronic system.
You CAN get it done, you just gotta "get a little pushy" but remember to stay friendly about it all. Good luck and let us know how it goes!
07-05-2007 02:53 PM
07-05-2007 03:27 PM
Very Nice CL! Which Amex card?
swingsetfun wrote:Well, since I didn't get very far with Chase we decided to open an account with AMEX and did in online and I was able to add myself and my husband to her account and it asked for SS#'s on us so I assume they will report it. (I Hope anyway) We got approved in seconds for $26,000! (OMG, if only my credit was that good!!!) So at least this will show some available credit for me. That is my biggest problem right now is that I have NO credit available. I don't owe anything, but all of my accounts are closed. (stupid, I know) we went thought CCCS. I hope this works!thanks for the info!!!
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.