Credit Card Center Advertiser Disclosure†
12-11-2013 08:31 AM
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?
12-11-2013 09:07 AM
12-11-2013 11:57 AM
Thank you guys both for your response. We are talking about Capital One. Any specifics about how Capital One does this?
12-11-2013 04:04 PM
Cap1 only backdates on certrain CP, however I'm not sure which ones. I know for a fact the rebuilders do not backdate.
12-11-2013 04:11 PM
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.
12-22-2013 08:38 PM
I will update you guys as soon as capital one reports on jan 3rd. im planning on pulling a new report by January 10th.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.