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Authorized user question, csr confused me

Regular Contributor

Re: Authorized user question, csr confused me

OP: I added my wife as AU on Discover More 2 months ago. She got reported a week or two after that. I then called CSR to ask to convert wife to "Joint". CSR said I would have to fill out a form. They mailed me a form. Filled out with signatures of both. About a week later both of us got reported to 3 bureaus as "Joint Account".

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Message 11 of 14
Frequent Contributor

Re: Authorized user question, csr confused me

Smiley Wink Thank you for the answer, one card is about to report on the 19th fingers are crossed.

Current: TU 772 EQ 765 EX 760 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: American Express Blue Cash Preferred 29,500/ Citi Simplicity 16,600 / Discover IT 16,500/ Chase freedom 4,800/ Care credit 10,000/ R us MasterCard 7,500/ kohls 2,500/ LensCrafters 2,400 / Citi Double Cash 13,200/ Amazon Visa 7,000
Message 12 of 14
Valued Contributor

Re: Authorized user question, csr confused me

AUs do report. I added my mom as an AU to my Discover card and it reported almost immediately. She is also an AU on my CAP1 card and Chase Freedom to help her credit. They all report.

As of 2017, rebuilding...
Message 13 of 14
Frequent Contributor

Re: Authorized user question, csr confused me

Just my 2cents - I have added my wife as an AU to ALL my cards (listed in my signature). They are ALL listed in her report regardless of lenders asking for all the info (like Amex - my wife's SSN etc) or just her name (like GECRB)...

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colonSmiley Wink Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Message 14 of 14