Authorized user

[simyengi]

My wife added me as an authorized user on a credit card that featured no late payments in 9 years. The CRA's, however, only added the last 11 months of the account to my file. What should I do next?

[guiness56]

Where did you pull your report?

What is the date showing for date opened?

[simyengi]

Pulled from MyFico. Date opened 8/2003.

[guiness56]

I would pull directly from the CRA and see what they show for payment history.

For AAoA it goes from date opened so you should be good there.

[simyengi]

It's only showing payments from Aug. 2012-July 2013. Everything before then is showing up as unknown.

[pizzadude]

What is showing as the Date Opened for this account?

[simyengi]

Opened 8/2003

[pizzadude]

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@simyengi wrote:
Opened 8/2003

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That's what matters from a FICO scoring perspective.   The account has 10 yrs of age and should help your AAoA.

[simyengi]

So how do I get the CRAs to report the full history?

[pizzadude]

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@simyengi wrote:
So how do I get the CRAs to report the full history?

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I wouldn't worry about it.  You won't gain any FICO points, as you don't get points for ontime payments.