cancel
Showing results for 
Search instead for 
Did you mean: 

Bank of America Authorized User

tag
SuperShad
Established Member

Bank of America Authorized User

Any of you guys an authorized user on a bank of america card?  My mom just added me and I'm wondering if its going to show on my credit report.  I've been getting mixed answers.  Some say yes... some say no.  Called BofA and got different answers as well.  Can any or you confirm whether it will or will not show on my credit report?

 

Thanks

 


Walmart FICO 643 Gardening as of 3/15/14!
March 2014 CreditXpert Ex 656, Eq 662, Tu 636 ~ August 2013 CreditXpert Ex 463, Eq 464, Tu 457
Message 1 of 11
10 REPLIES 10
abundancejones
Regular Contributor

Re: Bank of America Authorized User

Did they ask for your social? If so, I would guess yes. 

Message 2 of 11
navistar
Regular Contributor

Re: Bank of America Authorized User

i see mixed answers as well. back when i was married, i put my wife on a couple of my accounts (capital one & citi cards) and they never showed on her account. I dont believe they ever asked for a ss# either.

MyFico Equifax - 691
MyFico Experian - 692
Barclay Transunion - 682 (Last Updated 03/21/14)

Citi Diamond Preferred - $2,300 / Citi Platinum Select AAdvantage - $5,600 / Barclay - $4,600 / GE Care Credit - $1,000
Current Utilization - 52% / AAoA - 6yrs
Message 3 of 11
SuperShad
Established Member

Re: Bank of America Authorized User

@navistar @abundancejones

 

Thank you both... And yes she added me via her online acct and it did ask for my social!  I will let you know.  


Walmart FICO 643 Gardening as of 3/15/14!
March 2014 CreditXpert Ex 656, Eq 662, Tu 636 ~ August 2013 CreditXpert Ex 463, Eq 464, Tu 457
Message 4 of 11
SuperShad
Established Member

Re: Bank of America Authorized User

******UPDATE*****

 

@navistar @abundancejones

 

The account did pop up on my Experian report yesterday.  Two days after the cycle closing date. Hasn't shown on the other two yet.  But I've experienced that before. TransUnion has sometimes taken a couple of weeks or more longer than the others.  I'm sure it'll show on the others soon.  I haven't pulled FICO or FAKO scores yet to see if it made any difference.  


Walmart FICO 643 Gardening as of 3/15/14!
March 2014 CreditXpert Ex 656, Eq 662, Tu 636 ~ August 2013 CreditXpert Ex 463, Eq 464, Tu 457
Message 5 of 11
lmfields84
Regular Contributor

Re: Bank of America Authorized User

I am wondering this same thing about their secured card... I don't think either of us will qualify for unsecured.
Our 2014 Rebuilding Log- Check Out Our Progress!
In Our Wallet: NFCU Cash Rewards $14k | NFCU LOC $15k | NFCU LOC $12k | NFCU Platinum Visa $8.5k | NFCU Platinum MC $1k Discover IT $1400 | Walmart Store Card $1.4k | Synchrony $1k | ToysRUs $500
Message 6 of 11
xosamandaxo
Regular Contributor

Re: Bank of America Authorized User

random question - do you have to actually bank with BOA to get their secured card?

Message 7 of 11
lmfields84
Regular Contributor

Re: Bank of America Authorized User

I don't think so. From what I am reading many people recommend it and no mention of having to bank with them... I will probably never do that... I had them years ago and it was horrible. Only want secured card because its one of few that graduate, and in a short time frame.
Our 2014 Rebuilding Log- Check Out Our Progress!
In Our Wallet: NFCU Cash Rewards $14k | NFCU LOC $15k | NFCU LOC $12k | NFCU Platinum Visa $8.5k | NFCU Platinum MC $1k Discover IT $1400 | Walmart Store Card $1.4k | Synchrony $1k | ToysRUs $500
Message 8 of 11
abundancejones
Regular Contributor

Re: Bank of America Authorized User

Excellent news! Please update when it posts to the other bureaus. I keep reading that EQ dosen't like adding AUs to files. 

Message 9 of 11
SuperShad
Established Member

Re: Bank of America Authorized User

No.  Anyone can get the secured card as long as you qualify!


Walmart FICO 643 Gardening as of 3/15/14!
March 2014 CreditXpert Ex 656, Eq 662, Tu 636 ~ August 2013 CreditXpert Ex 463, Eq 464, Tu 457
Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.