topic Re: Which of these cards reports AUs to the CRAs? in Credit Cards

Which of these cards reports AUs to the CRAs?

DI — Thu, 03 Mar 2011 01:24:18 GMT

BankAmericard Cash Rewards

AMEX Blue Cash

PenFed Platinum

Citi Platinum Select

Sears Store Card

Target Visa

Discover More

US Bank

Re: Which of these cards reports AUs to the CRAs?

ficonightmare — Thu, 03 Mar 2011 01:30:50 GMT

Amex Blue Cash, yes.

Citi Platinum Select, yes. (It should as I'm an AU on the Platinum Select Dividend and it reports).

Don't know about the others.

Re: Which of these cards reports AUs to the CRAs?

DI — Thu, 03 Mar 2011 01:37:05 GMT

Thanks!

Re: Which of these cards reports AUs to the CRAs?

DI — Thu, 03 Mar 2011 01:45:50 GMT

For the Citi Platinum card, the form didn't ask for the person's SSN. How will the account appear on their credit reports wiithout it?

Re: Which of these cards reports AUs to the CRAs?

ficonightmare — Thu, 03 Mar 2011 01:50:46 GMT

@DI wrote:
For the Citi Platinum card, the form didn't ask for the person's SSN. How will the account appear on their credit reports wiithout it?

I guess they match up name/address and whatever other info. is provided. That's a good question though as I've always wondered the same. But all the cards I'm an AU on show up on all my reports.

Re: Which of these cards reports AUs to the CRAs?

Creditaddict — Thu, 03 Mar 2011 02:04:50 GMT

@DI wrote:
BankAmericard Cash Rewards - YES
AMEX Blue Cash - YES
PenFed Platinum
Citi Platinum Select
Sears Store Card -YES
Target Visa -YES
Discover More -YES
US Bank

not sure on the ones I didn't mark

Re: Which of these cards reports AUs to the CRAs?

DI — Thu, 03 Mar 2011 02:28:01 GMT

@Creditaddict wrote:

@DI wrote:
BankAmericard Cash Rewards - YES
AMEX Blue Cash - YES
PenFed Platinum
Citi Platinum Select
Sears Store Card -YES
Target Visa -YES
Discover More -YES
US Bank
not sure on the ones I didn't mark

perfect, thanks!

Re: Which of these cards reports AUs to the CRAs?

wmarat — Thu, 03 Mar 2011 03:08:43 GMT

@DI wrote:
BankAmericard Cash Rewards YES
AMEX Blue Cash YES
PenFed Platinum YES
Citi Platinum Select YES
Sears Store Card DO NOT KNOW
Target Visa DO NOT KNOW
Discover More YES
US Bank YES

Re: Which of these cards reports AUs to the CRAs?

vish1 — Thu, 03 Mar 2011 03:38:32 GMT

So, we have not heard any NO and have heard a yes for every card atleast once.

Re: Which of these cards reports AUs to the CRAs?

ILBrian — Thu, 03 Mar 2011 05:24:18 GMT

I have also experienced citi and discover reporting,

Discover reported quite quickly for the AU on my account was only a week

Re: Which of these cards reports AUs to the CRAs?

Anonymous — Thu, 03 Mar 2011 05:33:06 GMT

@wmarat wrote:

@DI wrote:
BankAmericard Cash Rewards YES
AMEX Blue Cash YES
PenFed Platinum YES
Citi Platinum Select YES
Sears Store Card DO NOT KNOW
Target Visa DO NOT KNOW
Discover More YES
US Bank YES (I'm an AU on DH's USBank 1-2-3 Rewards Card and it does not report)

Re: Which of these cards reports AUs to the CRAs?

DI — Thu, 03 Mar 2011 16:42:34 GMT

Thanks all! I add an AU to all of them except for PenFed. They require information to be sent to them. ...don't have time for that. We'll see how the others turn out.

Re: Which of these cards reports AUs to the CRAs?

wmarat — Thu, 03 Mar 2011 18:00:09 GMT

@Anonymous wrote:
@wmarat wrote:

@DI wrote:
BankAmericard Cash Rewards YES
AMEX Blue Cash YES
PenFed Platinum YES
Citi Platinum Select YES
Sears Store Card DO NOT KNOW
Target Visa DO NOT KNOW
Discover More YES
US Bank YES (I'm an AU on DH's USBank 1-2-3 Rewards Card and it does not report) Used to be AU on US Bank Bed Bath and Beyond MC and it reported.

Re: Which of these cards reports AUs to the CRAs?

DI — Sat, 05 Mar 2011 13:14:17 GMT

BOA is reporting the account on AU's credit reports already. They're quick!

Re: Which of these cards reports AUs to the CRAs?

Anonymous — Sat, 05 Mar 2011 15:36:17 GMT

@di

About your question on previos page, they dont always require SSN for AU reporting purposes. Perfect example of that would be GEMB cards :-)

Re: Which of these cards reports AUs to the CRAs?

DI — Sat, 05 Mar 2011 15:44:15 GMT

@Anonymous wrote:
@DI
About your question on previos page, they dont always require SSN for AU reporting purposes. Perfect example of that would be GEMB cards :-)

Does that mean they don't plan to report the account on the AU's credit reports if no SSN is asked for? I'm having a hard time understanding how it works without knowing the AU's SSN.

Re: Which of these cards reports AUs to the CRAs?

Anonymous — Sat, 05 Mar 2011 16:04:57 GMT

It means they can report an AU just by matching name and address. Heck, they can also report collections/inqs etc that way!

BTW: I fell into a weird mess early 2010, whereby most of my creditors + CB had to tell me how all this reporting stuff works. Most of the time no SSN is used at all (applies 99.99% to inqs). So if a certain bank doesnt ask for an SSN it doesnt mean they dont report AU.

Offtopic tip: if any disputed info on your CR gets removed (corrected) within a day or two then it means your ssn wasnt used to place that info on ur report in the first place :-)

Re: Which of these cards reports AUs to the CRAs?

DI — Fri, 11 Mar 2011 01:18:28 GMT

So far Sears Citi Store card, Bank of America and Capital One cards all report AUs.

Re: Which of these cards reports AUs to the CRAs?

Kay_Cee — Fri, 11 Mar 2011 13:07:42 GMT

I was told by one of the credit analysts at Sears that they do not report AUs on the store card. Can you confirm for me that it was reported and that it was a store card? Any news on the Target Visa? I'm just trying to help my son out who has very high utilization due to business use of his cards.

Thanks!

Re: Which of these cards reports AUs to the CRAs?

OnTheRebound — Fri, 11 Mar 2011 14:15:58 GMT

@DI wrote:
Thanks all! I add an AU to all of them except for PenFed. They require information to be sent to them. ...don't have time for that. We'll see how the others turn out.

I'm an AU on my wife's PenFed Visa. I furnished the paper work on me. They don't report me to the CB's.

For those whose PenFed AU's that report, did you have to request that they report?