topic Re: How do AU cards look different on a credit report? in Credit Cards

How do AU cards look different on a credit report?

pdxmike — Fri, 06 Feb 2015 00:35:03 GMT

What is the flag that says a card is an AU account? Are there indirect clues, such as years of history but an "insertion date" saying it was first added to your report a few months ago?

Re: How do AU cards look different on a credit report?

Creditwiser — Fri, 06 Feb 2015 00:36:37 GMT

It normally says " Authorized User"

Re: How do AU cards look different on a credit report?

pdxmike — Fri, 06 Feb 2015 00:38:23 GMT

I've read that some banks' cards don't look different on the reports of authorized users, is that right?

Re: How do AU cards look different on a credit report?

Skye12329 — Fri, 06 Feb 2015 01:51:11 GMT

Some banks dont look at them such as Barclays.

I added my sister as an AU. Her score jumped to 760s and got a Discover card. Then 3 months got a Chase Freedom.

My bf added him and he tried Barclays but they said no because he doesn't have any individual accounts.

So from my experience it looks like Discover might allow it and maybe Chase? Barclays is a no.

Re: How do AU cards look different on a credit report?

Skye12329 — Fri, 06 Feb 2015 01:51:49 GMT

Also meant to say Discover was my sister's first card. Before that she had nothing on her CR

Re: How do AU cards look different on a credit report?

Billybob_TX — Fri, 06 Feb 2015 02:13:02 GMT

They will be noted as AU on every report, but some cards such as CapOne will give your AU the starting date that you got the card.

Re: How do AU cards look different on a credit report?

C24Webb — Fri, 06 Feb 2015 02:16:33 GMT

@Skye12329 wrote:
Some banks dont look at them such as Barclays.

I added my sister as an AU. Her score jumped to 760s and got a Discover card. Then 3 months got a Chase Freedom.

My bf added him and he tried Barclays but they said no because he doesn't have any individual accounts.

So from my experience it looks like Discover might allow it and maybe Chase? Barclays is a no.

I think the OP is strictly asking if some banks do not report AU accounts as AU, leaving the responsibility ambiguous, and not about if banks weigh/look at AU accounts.

OP, accounts on a credit report should have a "responsibility" or similar line that will say "owner (or maker)" or "authorized user." I'm pretty sure all banks report AU accounts as AU accounts... As Skye stated, some banks (like Barclays) do not factor AU accounts into utilization or credit history length (they know the difference because of the "responsbility" line).

Re: How do AU cards look different on a credit report?

pdxmike — Fri, 06 Feb 2015 03:02:34 GMT

I asked because of two things. One, Nerdwallet listed which cards report AUs and mentioned that for Discover and US Bank, the "report looks different from that of primary accountholder," so I thought other cards looked the same for AUs. Does anyone know how Discover and US Bank are different?

Two, I just read on another thread that CRAs show a date called something like an insertion date that could show that a 20-year-old AU account has only been on my report for a few months. Is that the case?

Re: How do AU cards look different on a credit report?

Revelate — Fri, 06 Feb 2015 07:02:21 GMT

@pdxmike wrote:
I asked because of two things. One, Nerdwallet listed which cards report AUs and mentioned that for Discover and US Bank, the "report looks different from that of primary accountholder," so I thought other cards looked the same for AUs. Does anyone know how Discover and US Bank are different?

Two, I just read on another thread that CRAs show a date called something like an insertion date that could show that a 20-year-old AU account has only been on my report for a few months. Is that the case?

All AU's are flagged as such to my knowledge. Individual, Joint, AU = three different codes