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coerciondotde
Posts: 52
Registered: ‎02-23-2008
Re: Adding an authorized user with just a name

‎04-18-2012 11:00 PM

Did JCP end up reporting?

Starting Score: 571
Current Score: 638
Goal Score: 700

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Contributor
Misshopeful72
Posts: 185
Registered: ‎03-05-2012
Re: Adding an authorized user with just a name

‎04-19-2012 03:53 AM

No it didn't report yet
EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
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Regular Contributor
MissExcellentCredit
Posts: 248
Registered: ‎11-20-2010
Re: Jcp- will adding an au with different last name and address report to bureaus?

‎04-19-2012 04:14 AM

From my experience, JCP does report AU's. Case in point: My husband added me as an AU on his JCP card.  However, his ultilization was way high. Like 4,500 of a 5,000 limit. So I called the bureaus and asked to be removed.  Although his payment history is excellent and his credit limit fairly high, my FICO went UP when I took myself off. I suppose it was because of the high ulitization.


Current 2013 Score: ScoreWatch Transunion: 737, ScoreWatch Equifax: 723, Nordstrom Equifax: 734
Goal Score for January 2014: 750-809 range


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Contributor
Misshopeful72
Posts: 185
Registered: ‎03-05-2012
Re: Jcp- will adding an au with different last name and address report to bureaus?

‎04-19-2012 04:20 AM

Since I don't live with my mom I don't think it will show up on my credit. Her address is one of my previous addresses so I don't know if that will help or not?
EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
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haulingthescoreup
Posts: 28,112
Registered: ‎04-01-2007
Re: Jcp- will adding an au with different last name and address report to bureaus?

‎04-19-2012 06:09 AM

Misshopeful72 wrote:
Since I don't live with my mom I don't think it will show up on my credit. Her address is one of my previous addresses so I don't know if that will help or not?

It still might.

 

Do you know if a statement has posted yet (since you were added on)? If so, when?

 

Generally AU's show up soon after a statement. JCP updates to the bureaus, and then they post. Immediately for EX, anywhere from 3-7 days for EQ and TU.

* 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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Contributor
Misshopeful72
Posts: 185
Registered: ‎03-05-2012
Re: Jcp- will adding an au with different last name and address report to bureaus?

‎04-19-2012 06:45 AM

The April statement already cut before I was added so I'll see if I'm added at the beginning of may when that statement cuts
EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
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