Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
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
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
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
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
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
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
Posts: 8,197
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
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.
Highlighted
Super Contributor
Posts: 8,197
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
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.