topic Re: Discover reports AU activity differently? in Credit Cards

Discover reports AU activity differently?

Anonymous — Tue, 31 May 2016 14:53:16 GMT

"two issuers—including Discover—report authorized users’ activity differently from that of the account holder."

How so?

Anyone an AU for someone else's Discover?

Re: Discover reports AU activity differently?

grillandwinemaster — Tue, 31 May 2016 20:05:35 GMT

Interesting...

I used to be an authorized user on my wife's discover card way back in 2007. I can't recall any special or unique reporting relationship back then. Maybe things are different now? I'm looking forward to the replies, since now I want to make my wife an AU on MY Discover card.

Re: Discover reports AU activity differently?

RonM21 — Wed, 01 Jun 2016 09:58:58 GMT

I've never been tied in with an AU. but I would have thought it reported the same

Re: Discover reports AU activity differently?

takeshi74 — Wed, 01 Jun 2016 12:57:07 GMT

@Anonymous wrote:
"two issuers—including Discover—report authorized users’ activity differently from that of the account holder."

How so?

Anyone an AU for someone else's Discover?

What's your source for this info? Make sure you always consider your sources.

Re: Discover reports AU activity differently?

Anonymous — Wed, 01 Jun 2016 13:07:00 GMT

@takeshi74 wrote:
@Anonymous wrote:
"two issuers—including Discover—report authorized users’ activity differently from that of the account holder."

How so?

Anyone an AU for someone else's Discover?
What's your source for this info? Make sure you always consider your sources.

Discover's website...

Re: Discover reports AU activity differently?

dragontears — Wed, 01 Jun 2016 18:55:11 GMT

@Anonymous wrote:
@takeshi74 wrote:
@Anonymous wrote:
"two issuers—including Discover—report authorized users’ activity differently from that of the account holder."

How so?

Anyone an AU for someone else's Discover?
What's your source for this info? Make sure you always consider your sources.
Discover's website...

I looked all over Discover's website and couldn't find that phrase, where on their site did you find it?

Re: Discover reports AU activity differently?

redpat — Wed, 01 Jun 2016 19:15:45 GMT

I have an AU on my account no different reporting, Amex is the only one that I have that reports AU spend separately, but IDK about Citi.

Re: Discover reports AU activity differently?

Anonymous — Wed, 01 Jun 2016 19:19:17 GMT

Yes, both hubby and myself on both of ours. I never noticed a difference.

Re: Discover reports AU activity differently?

Anonymous — Wed, 01 Jun 2016 19:28:13 GMT

@dragontears wrote:
@Anonymous wrote:
@takeshi74 wrote:
@Anonymous wrote:
"two issuers—including Discover—report authorized users’ activity differently from that of the account holder."

How so?

Anyone an AU for someone else's Discover?
What's your source for this info? Make sure you always consider your sources.
Discover's website...
I looked all over Discover's website and couldn't find that phrase, where on their site did you find it?

I was curious so I looked it up my self.

https://www.discover.com/credit-cards/resources/credit-scores/building-credit/authorized-user-and-credit-scores?gcmpgn=0809_ZZ_srch_gsan_txt_2&srchQ=authorized%20user&srchS=internet_cm_corp&srchC=internet_cm_fe&srchP=1

"According to a poll conducted by Nerdwallet[2], two major U.S. credit card issuers do not report authorized users’ activity at all, three issuers report to all three bureaus, one issuer reports only positive information, and two issuers—including Discover—report authorized users’ activity differently from that of the account holder. So make sure that being added to someone’s account actually does something to build your credit."

Re: Discover reports AU activity differently?

Anonymous — Wed, 01 Jun 2016 20:39:28 GMT

This doesn't make sense. I am AU on bf's Discover and he is AU on my Discover. Nothing reports differently at all.

Re: Discover reports AU activity differently?

Anonymous — Wed, 01 Jun 2016 22:07:59 GMT

@Anonymous wrote:
Yes, both hubby and myself on both of ours. I never noticed a difference.

@Anonymous wrote:
This doesn't make sense. I am AU on bf's Discover and he is AU on my Discover. Nothing reports differently at all.

Thank you both.

Re: Discover reports AU activity differently?

Anonymous — Tue, 26 Jul 2016 00:02:25 GMT

I asked Discover via an online chat as I didn't understand either. This is the response I got from the online agent." They are reported as an "Authorized User" to the credit bureaus. This means they have access to the credit line, but are not responsible for the balance. Please contact the credit bureaus for more information on how this may affect the Authorized User's credit report."

This leads me to think that the other cards, ie Amex and Chase doesn't differentiate between authorized users and primary account holder on a credit report?

Re: Discover reports AU activity differently?

Samac — Tue, 26 Jul 2016 02:17:10 GMT

I'm an AU on my moms discover and have my own. Both show up with my fako scores, but the AU account doesn't show on on fico scores. Not sure why.