https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Are-there-benefits-to-reporting-my-name-as-secondary-on-a-Credit/m-p/241433#M21683 <DIV>It would not help.&nbsp; The CRAs will not enter account information based on a consumer assertion.&nbsp; It gets on your CR only by way of reporting from authorized creditors, who report to the CRAs.&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>Contact the creditor, and try to get them to report it.&nbsp; That is the only way.</DIV> Mon, 19 May 2008 02:54:41 GMT RobertEG 2008-05-19T02:54:41Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Are-there-benefits-to-reporting-my-name-as-secondary-on-a-Credit/m-p/241383#M21675 <DIV>Hello.&nbsp; Not sure where to go, but wonder if anyone has experience or can tell me if informing Experian of a Credit Card Account which isn't listed on my last Credit Report AND that I am involved with.&nbsp; My score is 698, but I've been trying to get over the 700 mark for 6 months now.&nbsp; I have 2 CCs with small available balances that I hardly ever use AND always pay-off each month (that I used them). Anyway - I ALSO have an Amer. Express account for my Business that I used me/my Credit score to get and both my Business name and my name are on the card and statements.&nbsp; Anyway - I've had this account for over 6 months, have put over $6000 on it and have paid it COMPLETELY off each month.&nbsp; They say that I do not have a Credit Limit and will never be "denied - regardless of the Amount being charged" as long as my "pay history remains as it is" (I assume since I pay it off each month).&nbsp; Would it help or hurt if I write&nbsp;Experian/Equifax and inform them of this Card . . . kinda like when you report a previous job or address they are not aware of.&nbsp; Also - Can I only send them mail if I have recently obtained a CR (with a reference #) or can I just send them a letter, striaght-out to inform them of the addition . . . assuming that is the best thing for me to do?&nbsp; Any input will be appreciated as I just need 2 points to get "over the 700 hump!" &lt;smile&gt;&nbsp; Thank you.</DIV> Mon, 19 May 2008 01:06:53 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Are-there-benefits-to-reporting-my-name-as-secondary-on-a-Credit/m-p/241383#M21675 Anonymous 2008-05-19T01:06:53Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Are-there-benefits-to-reporting-my-name-as-secondary-on-a-Credit/m-p/241433#M21683 <DIV>It would not help.&nbsp; The CRAs will not enter account information based on a consumer assertion.&nbsp; It gets on your CR only by way of reporting from authorized creditors, who report to the CRAs.&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>Contact the creditor, and try to get them to report it.&nbsp; That is the only way.</DIV> Mon, 19 May 2008 02:54:41 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Are-there-benefits-to-reporting-my-name-as-secondary-on-a-Credit/m-p/241433#M21683 RobertEG 2008-05-19T02:54:41Z