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Where is AU shown on credit reports?

Regular Contributor

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
Message 1 of 9
8 REPLIES
Moderator Emeritus

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.
Message 2 of 9
Regular Contributor

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.
Message 3 of 9
Moderator Emeritus

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".
Message 4 of 9
Regular Contributor

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?
Message 5 of 9
Moderator Emeritus

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.
Message 6 of 9
Super Contributor

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
Message 7 of 9
Regular Contributor

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.
Message 8 of 9
Highlighted
Super Contributor

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
Message 9 of 9