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AU question

Established Contributor

AU question

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

FICO® EQ 717 (3/5/15); TU08 732 (3/5/15); EX: 723 (3/5/15) - Last app 3/15/15; Inquiries: A TON!

CITI ThankYou Preferred - CL: $2,000




Starting Scores: 590s on 12/2013. Hover over card image to view details! *After Amex approvals - [I was supposed to be] Gardening!*
Message 1 of 7
6 REPLIES
Senior Contributor

Re: AU question

You should be able to get the whole history reported. 

Message 2 of 7
Epic Contributor

Re: AU question

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.

Message 3 of 7
Established Contributor

Re: AU question

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

 

Thanks everyone.

FICO® EQ 717 (3/5/15); TU08 732 (3/5/15); EX: 723 (3/5/15) - Last app 3/15/15; Inquiries: A TON!

CITI ThankYou Preferred - CL: $2,000




Starting Scores: 590s on 12/2013. Hover over card image to view details! *After Amex approvals - [I was supposed to be] Gardening!*
Message 4 of 7
New Contributor

Re: AU question

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

FingerHut - $2,300 | Nordstrom Retail - $500 | Capital One QuicksilverOne - $500 | Credit One Bank Platinum - $450 | Victoria's Secret - $250

Current Scores: TU: 573, EX: 512, EQ: 584 (MPM Scores)
Message 5 of 7
Frequent Contributor

Re: AU question

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.


CURRENT SCORES: EQ: 628 (12/14/14); TU: 628 (12/10/14); EX: 636 (12/13/14)--All myFICO
STARTING myFICO EQ SCORE:: 507 (11/2013); GOAL SCORE: 700--(All CRAs); GARDENING SINCE: 10/5/14
Message 6 of 7
Established Contributor

Re: AU question

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

FICO® EQ 717 (3/5/15); TU08 732 (3/5/15); EX: 723 (3/5/15) - Last app 3/15/15; Inquiries: A TON!

CITI ThankYou Preferred - CL: $2,000




Starting Scores: 590s on 12/2013. Hover over card image to view details! *After Amex approvals - [I was supposed to be] Gardening!*
Message 7 of 7