topic Re: Do authorized users cards still report? in Credit Cards

Do authorized users cards still report?

Rlupo810 — Sat, 28 Aug 2010 12:38:11 GMT

Does anyone know if any credit cards still report authorized users to the bureaus anymore. I found a few things on a Google search saying that authorized users will no longer work. If any still do report, which cards/companies and how do they report, limit, balance, age, etc. Any help would be greatly appreciated, Thank You

Re: Do authorized users cards still report?

jdxprs1 — Sat, 28 Aug 2010 14:14:03 GMT

yes. lots still report. i have two a.u. accounts. exxon mobile mastercard and capital one visa.

Re: Do authorized users cards still report?

Rlupo810 — Sat, 28 Aug 2010 14:26:06 GMT

does capital report the credit limit on au.. i read a rumor saying that they didn't.

Re: Do authorized users cards still report?

aichjw — Sat, 28 Aug 2010 14:56:01 GMT

They do still report. My fiance added me as an AU on three of his accounts back in June, My score has increased by over a hundred points, from around 520 to Eq-680, and trans-646. I was able to get three unsecured cards and a auto loan with the credit union in one week. Before this I couldn't get a secured card.

Re: Do authorized users cards still report?

Red1Blue — Sat, 28 Aug 2010 15:30:11 GMT

As far as I know most of the report.

Re: Do authorized users cards still report?

laz98 — Sat, 28 Aug 2010 18:51:30 GMT

all of mine report as if they were my own accounts.

Re: Do authorized users cards still report?

MarineVietVet — Sat, 28 Aug 2010 19:25:28 GMT

In my experience Discover, Cap 1, Citi, and BoA all reports AU's.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

Re: Do authorized users cards still report?

Rlupo810 — Sun, 29 Aug 2010 19:38:11 GMT

Do they all still report limits and all other detail. Sorry for being overly questionable, I've read a few posts on here saying that the credit limits no longer show up for au's. i don't believe really believe that but would prefer someone to clarify this matter

Thank you again,

You are all very helpful

Re: Do authorized users cards still report?

laz98 — Sun, 29 Aug 2010 19:47:05 GMT

yes, they show all the regular details that my non-AU accounts do. they are exactly the same.

Re: Do authorized users cards still report?

MarineVietVet — Sun, 29 Aug 2010 21:00:14 GMT

@laz98 wrote:
yes, they show all the regular details that my non-AU accounts do. they are exactly the same.

Re: Do authorized users cards still report?

Anonymous — Sun, 29 Aug 2010 21:17:01 GMT

For my wife and I , AU report for all of our accounts within last 10 years.

How FICO score counts them is a different matter. Some of the FICO models may not count the AU, if there is not a legitimate relationship. This is to elimate the gain of score that is created by the buying of AU accounts to juice your scores.

Re: Do authorized users cards still report?

Rlupo810 — Sun, 29 Aug 2010 21:18:59 GMT

Would being on one of my grandmothers accounts work to my advantage?

Re: Do authorized users cards still report?

vanillabean — Sun, 29 Aug 2010 21:33:03 GMT

@Rlupo810 wrote:
Would being on one of my grandmothers accounts work to my advantage?

Haha, was it issued before you were born?

Re: Do authorized users cards still report?

Rlupo810 — Sun, 29 Aug 2010 21:35:28 GMT

lol.. I believe she has a few that are about 5 or 6 years old, and she is one of the most persistent on-time bill payers i have ever met.

Re: Do authorized users cards still report?

Anonymous — Sun, 29 Aug 2010 22:50:25 GMT

@Rlupo810 wrote:
Would being on one of my grandmothers accounts work to my advantage?

It would probably count.

Re: Do authorized users cards still report?

Rlupo810 — Sun, 29 Aug 2010 22:59:42 GMT

awesome, thank you for the help.

Re: Do authorized users cards still report?

Rlupo810 — Mon, 30 Aug 2010 04:10:50 GMT

Just one more question,

Will it still get reported if i have a different address than the card holder (my grandma)? I believe she has BofA. but may have others.

Re: Do authorized users cards still report?

Anonymous — Mon, 30 Aug 2010 05:54:00 GMT

I know from experience that AU trade lines for my two Amex cards and Chase Visa card appear on my wife's credit report.

Re: Do authorized users cards still report?

MarineVietVet — Mon, 30 Aug 2010 15:13:03 GMT

@Rlupo810 wrote:
Just one more question,
Will it still get reported if i have a different address than the card holder (my grandma)? I believe she has BofA. but may have others.

The only way to know that for sure is contact the CCC and ask.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

Re: Do authorized users cards still report?

score_building — Mon, 30 Aug 2010 15:27:55 GMT

@MarineVietVet wrote:

@Rlupo810 wrote:
Just one more question,
Will it still get reported if i have a different address than the card holder (my grandma)? I believe she has BofA. but may have others.

The only way to know that for sure is contact the CCC and ask.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

AFAIK there is no requirement to live at same address in order for AU to report.