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Discover AU question

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Anonymous
Not applicable

Discover AU question

As most cards are in my name, and my wife is a AU (NFCU and PenFed), I am debating putting the Discover in her name and making myself a AU...

 

I found this link that says Discover reports AU's "different"

 - Does anyone know what that means?

 

https://www.nerdwallet.com/blog/credit-cards/credit-card-authorized-users-build-credit/

 

(She has her own Cap1 2k at this point, AU on my NFCU 22k and PenFed 32k)

 

I'm not askign pros/cons to AU, just what they mean by reports differently?

 

Is anyone a AU on a Disco that can see what is different?

Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Discover AU question

I am an AU on my father's Discover, and after reading the article, I can not see what is reporting differently myself.

 

I have my own Discover (opened in March/16) and am AU on my dad's Discover (opened in 1994). When looking at my reports, his open date, balance, and limit are all reported to mine. Perhaps they just don't send "updated" info for AUs as often as primes/joints?

 

That's the only thing I can think of looking for when discussing how/what they report. Unless there is something else that I should look for in terms of differences? I've always just figured open date, reported balance, and CL were all that I should be paying attention to.

 

But maybe somebody more experienced can chime in as well.

Message 2 of 4
JR_TX
Valued Contributor

Re: Discover AU question

I have my own Discover and likewise an AU on my wife's Disco as well. I don't see any difference in reporting either from EX Credit Tracker, myFICO and even CK. And all of them are showing as being reported and updated monthly.
New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 8y1m | UTIL 1% - 4% | $300K+ Total Limits

Message 3 of 4
Anonymous
Not applicable

Re: Discover AU question

Thanks all!

Message 4 of 4
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