topic Re: Who reports AU accounts? in Credit Cards

Who reports AU accounts?

Anonymous — Wed, 02 Jan 2008 04:25:35 GMT

I was wondering if anyone here knows what CCC still report AU accounts.

I heard that some CCC take the AU name but not their SSN so how can the report on the AU CR?

Also, if I ask my dad to add me what kind of info would I need to give him?

Re: Who reports AU accounts?

haulingthescoreup — Wed, 02 Jan 2008 05:19:50 GMT

Danged if I know how they did it, but when I went AU on DH's Discover, they never asked for my SSN, but up it popped on my reports, a week or so later. A bit scary, that!

Most CC's do report AU's, although AmEx had some hiccups back in October, I think. Somehow I wound up as AU on my daughter's Gap Card, but it does NOT report on my CRA's, thank goodness.

Re: Who reports AU accounts?

SmartCookie — Wed, 02 Jan 2008 05:34:54 GMT

Add AMEX and Citibank.

Re: Who reports AU accounts?

CreditDrama85 — Wed, 02 Jan 2008 05:42:21 GMT

CapOne, HSBC, and Chase report AU. i think CapOne requires SS# though

Re: Who reports AU accounts?

Anonymous — Wed, 02 Jan 2008 05:52:26 GMT

WAMU does (but not to EQ)

Re: Who reports AU accounts?

Anonymous — Wed, 02 Jan 2008 06:32:22 GMT

BOA does

Re: Who reports AU accounts?

Anonymous — Wed, 02 Jan 2008 06:33:04 GMT

I am an AU on a Discover card which is not being reported. I called and the CSR told me they don't report AUs to the big three.

Re: Who reports AU accounts?

Anonymous — Wed, 02 Jan 2008 13:56:36 GMT

Timothy wrote:
WAMU does (but not to EQ)

I am AU on a WaMu card that reports to all three.

Target does not report AUs at all.

Re: Who reports AU accounts?

haulingthescoreup — Wed, 02 Jan 2008 14:33:27 GMT

@Anonymous wrote:
I am an AU on a Discover card which is not being reported. I called and the CSR told me they don't report AUs to the big three.

Hi, Mayhem, try calling back at a different time of the day. Mine popped up on all three of my reports within a week of being added, and it's been there ever since.

Is your Discover from Discover? Or is it co-branded, like an HSBC Discover? If it is, it's the bank behind the card, rather than the card type, that controls the reporting.

Re: Who reports AU accounts?

Anonymous — Thu, 07 Feb 2008 00:52:12 GMT

AMEX.

Message Edited by esshua on 02-06-2008 07:52 PM

Re: Who reports AU accounts?

Anonymous — Wed, 02 Jan 2008 15:30:32 GMT

I added my boyfriend to my Walmart card as an AU and it shows up on his CR, no ssn needed.

Re: Who reports AU accounts?

Anonymous — Wed, 02 Jan 2008 15:48:40 GMT

Normal-

It is my understanding this has more to do with selling services to the AU than anything else.

esshua wrote:

I'm an AU on my mother's AMEX. Not only is this a TL on my EX and TU reports, but they just did a soft INQ "AMEX ACCOUNT REVIEW" on my Experian...

I didn't know they do account reviews on AUs, too.

I wonder if I'll have to send info when they do a FR.

Re: Who reports AU accounts?

Anonymous — Wed, 02 Jan 2008 20:38:16 GMT

HTSU,

It is a "normal" Discover card. I will try calling back. I have been AU since November and haven't seen it reported yet. I don't understand how they could report it without my SSN.

Re: Who reports AU accounts?

Anonymous — Wed, 02 Jan 2008 23:28:07 GMT

hey chedder, i had my dad put me on his washington mutual card. 11000 cl. 8 years history. but when i called dad later that week he said washington didnt need my ssn, i thought that was weird. so i called washington , ( i guess washington, and wamu, are the same by the way) and asked about the au thing. was told they wouldnt put my dads info on my report, so i tried as and joint account, was told they dont do that anymore. so the old man put me on his citi card, 20,000 cl 11 years history, balance about 1,000. it should help. question, the old man has another card he wants to put me on, but its only 300.00 cl, with 8 years history, chase, he uses it for online only, he is old school. if that is added to my report, would that hurt my credit with the 300 cl? 8 years of history is a plus? thanks, you guys kick ass on here,

Re: Who reports AU accounts?

haulingthescoreup — Wed, 02 Jan 2008 23:34:20 GMT

@Anonymous wrote:
HTSU,

It is a "normal" Discover card. I will try calling back. I have been AU since November and haven't seen it reported yet. I don't understand how they could report it without my SSN.

I wish I could figure how they knew how to report me. DH called and put me on the card, and he says they didn't ask him for my SSN, and I know that he couldn't remember it if you put a gun to his head, lol. Great --my demographics are posted on the bathroom walls at Discover!

Re: Who reports AU accounts?

Anonymous — Wed, 02 Jan 2008 23:57:37 GMT

@haulingthescoreup wrote:
@Anonymous wrote:
HTSU,

It is a "normal" Discover card. I will try calling back. I have been AU since November and haven't seen it reported yet. I don't understand how they could report it without my SSN.

I wish I could figure how they knew how to report me. DH called and put me on the card, and he says they didn't ask him for my SSN, and I know that he couldn't remember it if you put a gun to his head, lol. Great --my demographics are posted on the bathroom walls at Discover!

I was thinking that they found me because SO and I have the same address.

Re: Who reports AU accounts?

haulingthescoreup — Thu, 03 Jan 2008 00:02:02 GMT

@Anonymous wrote:
I was thinking that they found me because SO and I have the same address.

The most likely explanation!

And BTW, a simple partial solution to the problem of how to tell which AU's are legitimate, as opposed to those who called an 800 number.

Re: Who reports AU accounts?

rom828 — Fri, 20 Jun 2008 01:18:26 GMT

Added DH to my discover more which I opened 04-08.

NO ssn number needed but it's reporting on all 3 CRAs.