Coincidence...or something more?

Anonymous · ‎06-05-2008

So, as some of you may know I recently was approved for a Discover card after literally months of trying. There might also be a couple of you that remember my post about being added as an AU on my father's Discover card about 6 months ago and never seeing it report on any of my CR's.

Well, lo and behold, after Monday's approval, the AU account shows up my EX Tuesday morning. I am not a rocket scientist, nor do I play one on tv. However, I think that any reasonable person would attribute this account showing up to my Discover approval. I'm curious as to if this happened to anyone else.

I find it quite funny that I have an account from 1986 reporting on my CR when I was born in 1981.

Also, I believe I read somewhere that AU accounts don't show up on EQ. Is this true? Do they show up on TU?

Anonymous · ‎06-05-2008

I added DH to my discover as AU and his was only reporting on TU and EX, but recently it is reporting to EQ for him.

I'm trying to get them to report mine to EQ as well, but nobody will give me a straight answer. I even sent a message to customer service from the site itself about it and no one has responded and it was 4 days ago. Mine is dated 1986 too and it would certainly help my EQ out I am sure.

Anonymous · ‎06-05-2008

@Anonymous wrote:
I added DH to my discover as AU and his was only reporting on TU and EX, but recently it is reporting to EQ for him.
I'm trying to get them to report mine to EQ as well, but nobody will give me a straight answer. I even sent a message to customer service from the site itself about it and no one has responded and it was 4 days ago. Mine is dated 1986 too and it would certainly help my EQ out I am sure.

You've had a Discover card for 20 some years and it doesn't report to EQ at all?

Anonymous · ‎06-05-2008

@Anonymous wrote:

@Anonymous wrote:
I added DH to my discover as AU and his was only reporting on TU and EX, but recently it is reporting to EQ for him.
I'm trying to get them to report mine to EQ as well, but nobody will give me a straight answer. I even sent a message to customer service from the site itself about it and no one has responded and it was 4 days ago. Mine is dated 1986 too and it would certainly help my EQ out I am sure.

You've had a Discover card for 20 some years and it doesn't report to EQ at all?

I assumed my grandmother's account after she passed away in March. I was calling her credit card companies to close out her account's. Discover asked if I was her next of kin and would I like to try to assume it, with the history. Strange, I know, but I look at it as another gift from her. So, for me it is only a few months old.

haulingthescoreup · ‎06-05-2008

@Anonymous wrote:

Also, I believe I read somewhere that AU accounts don't show up on EQ. Is this true? Do they show up on TU?

Mine shows up on all three.

BTW, it's a Discover card, and it popped up almost immediately. I can't remember if it reported before the usual time (statement date), but it definitely showed up by that month's statement date.

I find it interesting that on my TrueCredit reports, the Discover card is buried among old closed cards, but it's there, and it's on my myFICO reports as well.

And for those who have been wondering about FICO 08, my AU account is still being used in scoring on my June myFICO pulls, including in EX, which is giving me credit for the history.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

Anonymous · ‎06-05-2008

I'm going to call them again and ask if they could please report to EQ. I may have to request a supervisor this time, but it should be worth it. CSR has alway's been a pleasure to talk to, but some didn't seem very knowledgable.

Anonymous · ‎06-05-2008

@haulingthescoreup wrote:
@Anonymous wrote:

Also, I believe I read somewhere that AU accounts don't show up on EQ. Is this true? Do they show up on TU?
Mine shows up on all three.

BTW, it's a Discover card, and it popped up almost immediately. I can't remember if it reported before the usual time (statement date), but it definitely showed up by that month's statement date.

I find it interesting that on my TrueCredit reports, the Discover card is buried among old closed cards, but it's there, and it's on my myFICO reports as well.

And for those who have been wondering about FICO 08, my AU account is still being used in scoring on my June myFICO pulls, including in EX, which is giving me credit for the history.

I got a substantial score boost when that account appeared. I kinda feel bad about it. It almost feels like I am cheating the system.

My EX FICO was at 708 a month or two ago, but dropped to 682 from a couple new accounts hitting it (ouch). When I saw that Discover account show up, I immediately pulled a new EX and it was back up to 704. 22 points for a 22 year history on an account.

Anonymous · ‎06-05-2008

Yup, I feel like a cheater as well. I did gain on average 25-30 points when it hit.

I called and the CSR said they can request an off cycle bureau update and it may take a few days for it to hit. (Statement closes on the 9th anyway) She said if it doesn't show up, then they would investigate to see where my EQ report is. I wonder if someone else is sharing grandma's account history too?

Anonymous · ‎06-05-2008

Discover has always been a different sort of animal when it comes to credit cards. Mostly in a good way, though.

Anonymous · ‎06-05-2008

@Anonymous wrote:
Discover has always been a different sort of animal when it comes to credit cards. Mostly in a good way, though.

Care to elaborate a little? Apparently there used to be some scandal from the little I read online about them, but I'm relatively young and don't know anything about it.