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Authorized Users how long does it take to show

New Contributor

Re: Authorized Users how long does it take to show

 


mystro9876 wrote:

 


crediseeker1 wrote:

soxcited wrote:

 


midwest_testbooks wrote:

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.


I added my name as an authorized user on my wife's Discover card on 5/01 (via web site/ no SSN entered). Her Discover account and history appeared under Experian on my credit report on 5/5. I did not see any change in my FAKO score from USAA monitoring. I will continue to watch for any changes.


I'm in the same boat.  I use Equifax's Gold Watch and my score didn't change either.  Hopefully it just takes time for it to be calculated into the score.


 

 

My FAKO changed when added as AU. I do not know about FICO as of yet. 


Starting Score: 540
Current Score: 706
Goal Score: 750


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Message 21 of 47

Re: Authorized Users how long does it take to show

mystro9876 wrote:

 


crediseeker1 wrote:

soxcited wrote:

 


midwest_testbooks wrote:

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.


I added my name as an authorized user on my wife's Discover card on 5/01 (via web site/ no SSN entered). Her Discover account and history appeared under Experian on my credit report on 5/5. I did not see any change in my FAKO score from USAA monitoring. I will continue to watch for any changes.


I'm in the same boat.  I use Equifax's Gold Watch and my score didn't change either.  Hopefully it just takes time for it to be calculated into the score.


 

 

My FAKO changed when added as AU. I do not know about FICO as of yet. 

_________________________________________________________________________________________________________________________________

 

Well, It has been exactly 31 days after being put on as a AU on discover and nothing is being reported on my CRA at the moment. We do share the same last name but a different address. I have not used the card yet. I did activate it though when it arrived in the mail. Do I need to use the new card for it to show up on my CR?

Message 22 of 47
Established Member

Re: Authorized Users how long does it take to show

I am also in the same boat! I have been added to a friend's Discover as an AU over 30 days ago and it still isn't reflecting on my credit reports. Our address even match! I am also waiting on AMEX to show up, but I was added on 04/30/10 on that one.


Starting Score: 538
Current Score: 538
Goal Score: 680


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Message 23 of 47
New Member

Re: Authorized Users how long does it take to show

Midwest, did it ever show up yet?  Did you have to change the address for it to work?  Update

Message 24 of 47
New Contributor

Re: Authorized Users how long does it take to show

I was added to a friend's BofA Visa (this person is not related to me).  I purchased a credit watch service and used his address as my current address.  The CRA's picked up the address, added it as a "previous address", and the card reported in about 3-4 weeks.  Not only did it report, but it factored into my FICO, raising it between 60 & 89 points (depending on the CRA).  TU increased 89 points!  The CL is $15k and the balance is less than $200.  He added me to a credit union card a few weeks ago.  They asked for my ss#, but it still hasn't reported.  My father added me to his Home Depot card a few months ago, but this one has never reported, even though his address is listed as a "previous address" for me.

 

Best of luck ....


Starting Score: EQ 490 EX 516 TU 492
Current Score: EQ 628 EX 626 TU 668
Goal Score: at least 700, across the board!


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Message 25 of 47
New Visitor

Re: Authorized Users how long does it take to show

 

 

my grandparents made me an AU on their sears card and my EX score jumped 70 pts in one month

Message 26 of 47
Established Member

Re: Authorized Users how long does it take to show

MY SISTER ADD ME AS AU 3WEEKS AGO AND AS YOU CAN SEE MY SCORE WHEN UP 40 POINTS.. YES BECAUSE IAM IN ESCROW

08/2009 03/2010 NEW 09/2010
EQ 447 535 589 647
EX 460 609 644 626
TU 475 636 646 609
Message 27 of 47
New Member

Re: Authorized Users how long does it take to show

OK. I was added to my girlfriends CC - Visa - $20k Limit with a zero dollar balance. Its been well over 2 months... I was added with name and SSN but did not get the card (we requested not to receive one) and nothing has shown. Should we request a card in my name, activate, then use it to possibly increase it showing on my CC? FYI we don't live in the same house, have different last names, etc...

Message 28 of 47
Epic Contributor

Re: Authorized Users how long does it take to show

Message 29 of 47
New Contributor

Re: Authorized Users how long does it take to show

I agree with the above statement.  I have been added to 4 accounts.  Only 2 of them show up on my report (Bank of America & Discover).


Starting Score: EQ 490 EX 516 TU 492
Current Score: EQ 628 EX 626 TU 668
Goal Score: at least 700, across the board!


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Message 30 of 47