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nikkichell
Posts: 2
Registered: ‎07-07-2010

Re: Authorized Users how long does it take to show

I have the same question, was added to bofa visa on 9/23, showed up on experian by 10/17, still no no show on transunion and equifax. Any thoughts on this?  

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Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: Authorized Users how long does it take to show

 


nikkichell wrote:

I have the same question, was added to bofa visa on 9/23, showed up on experian by 10/17, still no no show on transunion and equifax. Any thoughts on this?  


 

This is not uncommon with poky Equifax and TransUnion, who often take a week (or more) upon receipt of new info to actually get around to posting it.

 

BofA AU cards generally post to all three reports without problems, so I think they've sent it in. With luck, you should see it pop up in the next day or two.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Sweets8E
Posts: 262
Registered: ‎03-07-2009

Re: Authorized Users how long does it take to show

My mom added me to her Discover account as an AU this week. She ordered a card for me, but I don't want to use it. I'm just getting around to reading posts that surround this. But here's my question. My credit scores are "Shot" and I don't want her credit to be messed up. Will having added me mess up her credit since mine sucks? Also, will they lower her credit limit as a result of adding me? Two questions...Sorry.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


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JM-AM
Posts: 3,303
Registered: ‎06-09-2010

Re: Authorized Users how long does it take to show

 


Sweets8E wrote:

My mom added me to her Discover account as an AU this week. She ordered a card for me, but I don't want to use it. I'm just getting around to reading posts that surround this. But here's my question. My credit scores are "Shot" and I don't want her credit to be messed up. Will having added me mess up her credit since mine sucks? Also, will they lower her credit limit as a result of adding me? Two questions...Sorry.


 

Question 1 = NO

 

Question 2 = A Credit Card can lower limits for whatever the reason. Would have nothing to do with adding you as a Authorized User.

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Frequent Contributor
Sweets8E
Posts: 262
Registered: ‎03-07-2009

Re: Authorized Users how long does it take to show

Sigh of great relief...Whew....Thank you for responding.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


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Regular Contributor
Teasha
Posts: 129
Registered: ‎11-06-2010

Re: Authorized Users how long does it take to show

I became an AU on a chase card 6 weeks ago (family member) It's reporting on TU but not on EQ or EX... Yet! Any idea when or if this will show? I've limited history so I have no Fico for the 2 that haven't reported yet. My TU fico is now 766.

I also was made an AU on Amex for the company I work for and they don't report. Just encase someones wondering.

Starting Score: 0 No score until August 2011
Current Score: 4/1/14 EQ Fico 706, 3/21/14 TU Fico 772, 3/11/14 EX fico 776
Goal Score: 800
My wallet: Cap one $3000 | Venture $7000 | Amex BCP $15,000 | Amex BSE $2000 | Discover it $5250 | Lowe's $9000 DCU $2,000, CITI TYP $7,000. Back in the garden!
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Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011

Re: Authorized Users how long does it take to show

I added DH as AU on JCP and CareCredit.  Carecredit shows up on EQ, and both show up on TU.  I have no idea what shows up on Experien.  They were pretty quick for this, I thought - it was about 2 weeks ago that I put him on.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Regular Contributor
Teasha
Posts: 129
Registered: ‎11-06-2010

Re: Authorized Users how long does it take to show

I was added as an AU on my mother in-laws chase freedom in late June 2011 and is showing on my TU
it never did make it to EX or EQ and have no fico for those two at all.
Can I call chase to enquire if they will report to them or is that the responsibility of the original account holder?

My fico scores: EQ 0, EX 0 and TU 782

Starting Score: 0 No score until August 2011
Current Score: 4/1/14 EQ Fico 706, 3/21/14 TU Fico 772, 3/11/14 EX fico 776
Goal Score: 800
My wallet: Cap one $3000 | Venture $7000 | Amex BCP $15,000 | Amex BSE $2000 | Discover it $5250 | Lowe's $9000 DCU $2,000, CITI TYP $7,000. Back in the garden!
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Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: Authorized Users how long does it take to show


Teasha wrote:
I was added as an AU on my mother in-laws chase freedom in late June 2011 and is showing on my TU
it never did make it to EX or EQ and have no fico for those two at all.
Can I call chase to enquire if they will report to them or is that the responsibility of the original account holder?

My fico scores: EQ 0, EX 0 and TU 782


I think you, as an AU, can call the CCC and inquire if they report to all 3. Look around to see if others report success in getting Chase to report to all 3. BTW, congrats for the starting 782 TU FICO!

Member
scamps218
Posts: 17
Registered: ‎10-29-2011

Re: Authorized Users how long does it take to show

Discover is pretty awesome about reporting authorized users quickly.  I added myself to my partners card and it was reported in 5 days.  I did the sme for a Home Depot card and it took a month.  Discover is on top of their stuff.




Starting Score: 665
Current Score: 665
Goal Score: 700


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