Understanding FICO® Scoring

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misgiglee1
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misgiglee1
Posts: 2
Registered: ‎02-05-2013

When do credit card companies report

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‎03-14-2013 07:22 PM

My parents added me to a couple of their credit cards. I have been watching my credit score, but it hasn't changed. They did this about Feb. 20th. Should my credit report changed by now?

I have a score of 520 right now. I am trying to buy a home and need at least a 640. My parents added me to a couple of their cards about a month ago, but my credit hasn't changed. I need help
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Community Leader<br> Mega Contributor</br>
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guiness56
Posts: 13,487
Registered: ‎01-17-2008

Re: When do credit card companies report

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‎03-14-2013 07:39 PM

Added you as an AU?  Not all AUs report.

 

Have them call the CCC and find out if and when they will report.

Credit Scoring 101
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Closing Credit Cards
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misgiglee1
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misgiglee1
Posts: 2
Registered: ‎02-05-2013

Re: When do credit card companies report

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‎03-14-2013 07:44 PM

As an AU. They put my wife on there cards before me and they both report on hers. So wouldn't that mean they will report on all?

I have a score of 520 right now. I am trying to buy a home and need at least a 640. My parents added me to a couple of their cards about a month ago, but my credit hasn't changed. I need help
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llecs
Posts: 31,510
Registered: ‎08-04-2007

Re: When do credit card companies report

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‎03-14-2013 08:04 PM

misgiglee1 wrote:

As an AU. They put my wife on there cards before me and they both report on hers. So wouldn't that mean they will report on all?

Were both AUs added on the same day?

 

When was the statement date?

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Community Leader<br> Mega Contributor</br>
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guiness56
Posts: 13,487
Registered: ‎01-17-2008

Re: When do credit card companies report

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‎03-14-2013 08:04 PM

Yes, they should.

Credit Scoring 101
Guide to Common Abbreviations
Other Frequently Requested Threads
Closing Credit Cards
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DRE123
Posts: 6
Registered: ‎11-02-2012

Re: When do credit card companies report

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‎03-14-2013 10:28 PM

I have capital one and the report on the 22 I believe and usually my fico shows the update right about that time also.
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