questions for people who are AU on a BofA personal credit card

[Anonymous]

For people here who are an AU on a BofA personal credit card:

(1) Does the AU account appear on all three of your reports? If so:

(2) Does BofA have your SSN or did the CRAs just match your name/address?

(3) What appears on your reports: The card's full history or only the history as of the date you became an AU?

Again, asking only about AU on BofA. Thanks.

[Anonymous]

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@Anonymous wrote:

For people here who are an AU on a BofA personal credit card:

(1) Does the AU account appear on all three of your reports? If so:

(2) Does BofA have your SSN or did the CRAs just match your name/address?

(3) What appears on your reports: The card's full history or only the history as of the date you became an AU?

Again, asking only about AU on BofA. Thanks.

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These are good questions as I was just recently added on two BoFA credit cards.

They do ask for SSN when you are added as an Authorized User which I believe means they will report to the credit CRAs.

I think the full history shows on your account for the card.

[Anonymous]

You're just right! My friend was added to his sisters account few days ago and they did ask for his SSN and card's full history will appear on YOUR report aswell.

[Anonymous]

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@Anonymous wrote:

You're just right! My friend was added to his sisters account few days ago and they did ask for his SSN and card's full history will appear on YOUR report aswell.

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Good to hear.  I am hoping it helps my score as one is 27 years old and the other is 22 years old and they are both in good standing with low utlilization.

I was added to Sears as well which is 37 years.  Though it didn't ask for my SSN.  I will end up calling them to double check if it will be reported the the CRAs.

[Anonymous]

Thanks for all of the feedback. It appears I was added as an AU before BofA required an SSN, which might explain the account appearing on only one of the three reports. I've been trying to figure out if I should call to add my SSN. On the one hand, it would be great to have the account appear on all three reports, but on the other, I didn't want to risk the account showing up on my reports with only the history as of the date they got my SSN. Looks like I should be safe adding my SSN, if the card's full history appears and not just the AU history. Thanks.