topic Re: Question about AU accounts in Credit Cards

Question about AU accounts

Anonymous — Thu, 19 Jun 2008 15:11:37 GMT

My wife was added to 2 cc's of a family member. In order for these companies to report on her cr's does she actually have to use the cards or do the report automatically because of her beening added to the accounts? So far nothing has been reported on her cr on either of these 2 cc acounts. Anyone have a similar situation that can shed some light on this subject?

Re: Question about AU accounts

Anonymous — Thu, 19 Jun 2008 17:51:39 GMT

I have an AU on one of my cc's & dunno if it's reported to cra's yet. Please post back if anything changes.

Re: Question about AU accounts

Anonymous — Thu, 19 Jun 2008 17:53:00 GMT

They should report automatically, whether she uses the cards or not. How long has it been since she was added?

Re: Question about AU accounts

alvinsl — Thu, 19 Jun 2008 19:15:07 GMT

I was added as an AU to my GF's Citi card about two weeks ago. It was reporting to TU an EX as of this past Monday, received the card the same day. I haven't used it yet. Hopes this helps.

Re: Question about AU accounts

Anonymous — Fri, 20 Jun 2008 17:20:52 GMT

I added my aunt to wells fargo cc about a 6-8 weeks ago. The new card for her came in the mail about a week ago but nothing has hit her cr yet.

Re: Question about AU accounts

Anonymous — Wed, 02 Jul 2008 16:04:06 GMT

Update or not lol

Both Lowes and Wells Fargo accounts have closed out for the month and apparently aren't going to report my wife as AU on these accounts. Would it be stupid to call and ask why they haven't reported or just leave it alone?

Re: Question about AU accounts

USC08 — Wed, 02 Jul 2008 16:31:34 GMT

does being a AU help your fico score in anyway?

Re: Question about AU accounts

Anonymous — Wed, 02 Jul 2008 16:50:19 GMT

USC08 wrote:

does being a AU help your fico score in anyway?

AU accounts are treated the same as if the account were your own (for now, anyway). If the account helps, it will help you. If it hurts, it will hurt you.

You inherit all the history on an AU account, good and bad.

Re: Question about AU accounts

fishbjc — Wed, 02 Jul 2008 17:51:13 GMT

I added DH to Dell in January.....still hasn't reported to any bureau.

Re: Question about AU accounts

Anonymous — Wed, 02 Jul 2008 18:09:57 GMT

Your wife does not have to use the cards - the accounts will/should show up on her file when the creditors report.

I added my sister to my 2 AMEX cards and she realized a 56 point jump.

Being an AU is a good thing - provided the account(s) you are being added to are good accounts (low utility, long history, etc.)

Re: Question about AU accounts

Anonymous — Wed, 02 Jul 2008 18:47:16 GMT

Funny thing about that AU stuff. I recently added my wife as AU to BoA account (low utilization, excellent payment history). She's new in the country, never had a SS# before - and her immigration status (no work authorization, "dependent visa") makes her ineligible to get one. But all my history of payments on that account was immediately transferred to her file (how do they even start a file without SS#?) and she's getting much better credit offers in mail than I do, while being unable to apply because of no SS#. :-)

Re: Question about AU accounts

Anonymous — Thu, 03 Jul 2008 15:04:13 GMT

Neither WF or Lowes asked for ssn to add to account but then again like I said they have yet to report to CRA's.