AU question

[IamB2]

Hello guys (and girls),

I am relatively new to these forums, and I have been reading a lot  (@P- you are an inspiration to us all). I have asked a couple of questions, and the community has been awesome. So thank you all.

I have another question, which I am sure it has already been asked, and is buried amongst the thousands of threads. I searched, but to no avail.

I just added myself to someone's account as an AU. They have a 2 year payment history, with no lates of any kind (Capital One Card with $2000.00 CL), I even ordered a card on my name (which I will never use but I read that sometimes unless you activate a card, it won't start reporting). Will that entire history of the account show up on my report, or just from the moment I was added to the account?

Thanks

[DaBears]

You should be able to get the whole history reported. 

[guiness56]

It depends on the creditor and how they report AUs.  Some will backdate your CR to show all history etc, others will only show it as a new account opened on the day it reports.

[IamB2]

Thank you guys both for your response. We are talking about Capital One. Any specifics about how Capital One does this?

Thanks everyone.

[phix]

Cap1 only backdates on certrain CP, however I'm not sure which ones. I know for a fact the rebuilders do not backdate.

[OneDay_750]

I'd love to know the answer for Cap One, but for everyone's awareness, USAA DOES NOT report AUs.  That's what they told me when I tried to add me onto my wife's unsecured CC.  Their website also says that doing so will not help me rebuild my credit.  Bummer.

[IamB2]

I will update you guys as soon as capital one reports on jan 3rd. im planning on pulling a new report by January 10th.