Reply
Regular Contributor
JemiBlue
Posts: 109
Registered: ‎06-13-2007
0

Where is AU shown on credit reports?

I am looking at my credit reports from FreeCreditReport.com, and I can't see where the fact that I am an AU on the credit cards is shown.  Can someone help?  Thanks in advance.  -Jemi
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Where is AU shown on credit reports?

The account should show up as any other. If its not listed you are either not an AU, or the CCC is not reporting.
Regular Contributor
JemiBlue
Posts: 109
Registered: ‎06-13-2007
0

Re: Where is AU shown on credit reports?

But where would it show up?  The credit cards (except Amex) are on my credit report.  Nowhere does it show that I am an AU.  I am just wondering if these will stop reporting when the new rules go into effect.
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Where is AU shown on credit reports?



JemiBlue wrote:
But where would it show up?  The credit cards (except Amex) are on my credit report.  Nowhere does it show that I am an AU.  I am just wondering if these will stop reporting when the new rules go into effect.



If they are showing up you have nothing to worry about. There may or may not be a comment that says "Authorized User".
Regular Contributor
JemiBlue
Posts: 109
Registered: ‎06-13-2007
0

Re: Where is AU shown on credit reports?

So, are you saying that if they are reporting now, they will continue to report in September?
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Where is AU shown on credit reports?



JemiBlue wrote:
So, are you saying that if they are reporting now, they will continue to report in September?


Yes, but they won't be calcuated in your score. And remember, only one CRA (not sure which) is switching in Sept. The other will follow suit on 2008.
Super Contributor
MidnightVoice
Posts: 8,158
Registered: ‎03-25-2007
0

Re: Where is AU shown on credit reports?

If I look under the details of my accounts on a CR it will say "Individual"; or "shared"  or "joint"; or "Authorized user".
 
It is my belief that those saying AU will start to go away soon, unless current AUs are grandfathered in.  Even if they do not go away, it is my understanding that those TLs will no longer be used in calcu;lating the score
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Regular Contributor
JemiBlue
Posts: 109
Registered: ‎06-13-2007
0

Re: Where is AU shown on credit reports?

Are you looking at the reports on FreeCreditReport.com?  I don't see anything that says Details.  I am sorry to be a pest, but I'd really like to know where it is shown.
Super Contributor
MidnightVoice
Posts: 8,158
Registered: ‎03-25-2007
0

Re: Where is AU shown on credit reports?

Reports from TU (hard copy) and MyFICO (online)
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+