topic When will an AU show up on a CR? in General Credit Topics

When will an AU show up on a CR?

Anonymous — Wed, 14 Sep 2016 02:00:13 GMT

Hi,

So my fiancé added me as an AU on 4 cards about a month ago all statements have cycled and the only one showing up on my CR is from Macy's.

The other 3 are:

WF
Chase
Chase

Any idea how long it takes for it to show up on my CR? We love at the same address and have had our last 3 addresses together which reflects as the same on both of our CRs.

Thanks!

Re: When will an AU show up on a CR?

Anonymous — Wed, 14 Sep 2016 02:02:57 GMT

Btw I shredded the AU cards I don't have a use for them my SO just wanted to help me rebuild because she's in the 700's and has good history.

Re: When will an AU show up on a CR?

Anonymous — Wed, 14 Sep 2016 13:44:47 GMT

Bump

Re: When will an AU show up on a CR?

RBD22 — Thu, 15 Sep 2016 21:00:59 GMT

I don't have an answer for you but I hope someone else does. I just recently added my gf as AU for my 2 Chase cards (haven't received the cards yet). I'm curious to see how long it will be before they report.

Re: When will an AU show up on a CR?

RobertEG — Sun, 18 Sep 2016 18:24:38 GMT

There is no requirement that a creditor report AUs, particularly if the card holder is not a spouse.

Thus, the answer could vary between immediately ---> never.

Re: When will an AU show up on a CR?

Anonymous — Sun, 18 Sep 2016 18:51:24 GMT

Well we have lived together for the last 3.5 years, we have a child together and have the last 4 addresses on both our credit reports matching.

Re: When will an AU show up on a CR?

RobertEG — Sun, 18 Sep 2016 19:01:39 GMT

I raised the issue of spouse only because the Equal Credit Opportunity Act (ECOA) explicitly permits a spouse to include certain aspects of joint holdings, such as income, in any credit application, and is often cited as legal basis for permitting AUs.

One spouse can, undr ECOA, include the income of the other without specific itemization as such when applying for credit.

That is extended by inference to AU accounts, but only when the other party is a spouse.

Re: When will an AU show up on a CR?

Anonymous — Sun, 18 Sep 2016 19:20:56 GMT

New regulations also allow you to use someone's income such as a fiancé or long time live in boyfriend or girlfriend on apps if you're over 21.

Re: When will an AU show up on a CR?

Anonymous — Tue, 27 Sep 2016 12:29:17 GMT

My Parents added me as an AU on their Chase card it showed on my Credit reprot less then 30 days and shot my score to the mid 600's

Re: When will an AU show up on a CR?

Anonymous — Tue, 27 Sep 2016 14:20:15 GMT

As Robert stated, sometimes AU accounts never show up. I would think if a few cycles go by and the account doesn't show up by then that chances are that it very well may never. Some creditors are very specific about if they'll report based on who the AU is, others don't seem to care.

Re: When will an AU show up on a CR?

RBD22 — Fri, 30 Sep 2016 22:49:47 GMT

Chase explictly mentioned domestic partners, or anyone that you share a significant portion of bills with, when it asked for household income. A domestic partner doesn't necessarily have to be a spouse.

Re: When will an AU show up on a CR?

Anonymous — Fri, 30 Sep 2016 23:22:13 GMT

It shows up for me as an AU for my Dads Chase but not for my SO's. I'm wondering why this is...