04-12-2012 03:17 PM
Okay, so I am in a fairly seriously relationship with my Girlfriend and we're looking to buy some major things together later this year. I asked her if she would mind me being on her Discover card so I could share the history, balance, CL, etc. She agreed and we went online to do it. The ONLY thing discover wanted was a first and last name (presumably for the new CC to be sent out). I have read countless posts about AUs being added to boyfriend/girlfriend accounts. However, my concern is that her and I share nothing in common as far as credit report aside from being in the same state.
So my question is, how in the world does discover take my name from her application (keep in mind my common first name and very common last name) and tie it to my credit report? The big posters (llecs, et. al) have said they do post. This is still mind boggling.
Bonus Question: I'm alread an AU user on a family members Capital One account, I have my own Capital One CC and I'd like to be an AU on my girlfriend's Capital One. Is this possible? Does Capital One (or any CC company for that matter) have a policy on how many accounts you can be on/have?
04-12-2012 03:37 PM
04-12-2012 03:45 PM
Crazy! What I am wondering is if I am going to have to add her address to my credit report, have her remove me and then add me back again.
04-12-2012 03:46 PM
04-12-2012 04:01 PM
04-13-2012 06:38 AM
04-13-2012 06:53 AM
04-18-2012 10:49 PM
Discover reported finally! I believe it picked up the address from capital one somehow. On my personal information it isn't showing my girlfriend's address, but somehow they picked it up
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.