01-18-2012 08:22 PM
Did the reporting happen so quickly for you because you were added right before the end of a statement cycle? The reason I am asking is, my credit score took a turn for the worst in the middle of escrow because of an old debt that was sold popped up out of no where on the underwritters final credit check before funding . So I was added to a family's Discover card to off set the bad mark and raise my score back so I can close. They told me it would report up to 30 days after the statement cycle ends. That ended today so I am hoping it shows up on my report any day now so we can close escrow! Thanks for the input
09-20-2012 10:55 AM
So the card I was added to, father-in-laws, is a Bass Pro CC through Bank of America from what I have read. I was added on 9/3/12, but still reflected on my Credit Report
07-21-2013 03:30 PM
Does just being an authorized user on a CC help out score wise? Especially if it is a long standing one?
02-16-2014 08:07 AM - edited 02-16-2014 08:24 AM
I had this problem with a card. I was an AU, and things weren't updating as fast on my report as on hers. We did a dispute on my credit instead of hers, and for some reason that CRA just completely removed the account from my report
I was just added as an Authorized User on a Capital One card, and within two weeks, it was reflected on my credit report. HOWEVER, for some reason, when my credit report summarizes my score, it is not factoring the contents of this card.
For instance: The credit limit on this card is $15k (which is being reported). When my monitoring service gives me my FAKO score, along with the factors making up my score, one of the factors is:
"You have a low credit limit"..............there is no way a $15k credit limit CC would be considered "Low Credit Limit"
Also, when it shows me a graph of my Debt Ratio, It shows that I'm almost 100% utilized. However, the $15K CC has a balance of $300. I have three other cards being report, 2 of which are store cards which don't have any balance, and my one credit card has a $500 limit and is max, but I pay it off every month.
Does it take time after the credit card is being reflected on my credit report that they get factored into your score?
02-16-2014 08:14 AM - edited 02-16-2014 08:20 AM
I started to choose the option of using the primary address for the address of the AU, but I didn't all the sudden want mail coming to my house in the name of the AU, at least not until I move, but this is a Capital One, and in the past I was able to be added to someone else's, and we had different addresses. So, I guess we wil see
soexcited, Im in the same boat as you. I was put on as a AU on discover 04-05-10 and still not reporting. It was my dada card and we have the same last name but different address. They did not ask for my SS# at the time either. I hoping that it is reported this month being that the first is the billing cycle. I will let you know if or when it reflect on my report being that we were both added as AU's about the same time.
not to steal the thread but in my case the CRAs updated my address with the address of the main user (we live at different addresses) but the account still does not show up in my CR.
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.
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.