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Discover Authorized User and CRA's


Re: Discover Authorized User and CRA's

Well my experience with adding an AU, it will show up on their credit reports. I applied for and received my Discover card last month. During the process, when asked if I wanted to add an AU, I added my boyfried. I was only asked for his name, nothing else. I figured it'd be great for him to have a card so I could have him run errands for me when I work late. Smiley Very Happy


I just assumed his status would be like the "Authorized Buyer" as stated from what that Discover rep told you. However, the account reported to his credit report at the same time it reported to mine (about a week later). I never provided his address, SSN, or even birth date. He does not have an inquiry listed either. Also, I used my mailing address (which is a UPS Store mailbox) for my application. My boyfriend also has his own mailbox at the same location, but we have different mailbox numbers. I guess Discover make a partial match with the street name and number and figured it was a good enough connection.


So I can verify from my experience, that just adding an Autorized User (name only) can be enough to have it report on the AU's credit report. Smiley Happy


Angel G.

Message 31 of 36
New Visitor

Re: Discover Authorized User and CRA's

I was added to my father in laws Discover Card as an AU at the end of March.  Nothing has shown up on my report yet.  I assume it will take 30 days? and what experience have any of you had with your scores changing as a result of being an AU?  For expiable: his discover has been opened since 1985, never late and probably an insane CL... I won't know the details until I see it on my report.... if that really does happen...

Message 32 of 36
New Member

Re: Discover Authorized User and CRA's

Can I ask what the result was in terms of your credit scores? I have the same experience - and expect the new line to show up in a matter of days. Did it jump your score? or hurt it?

Message 33 of 36
Moderator Emeritus

Re: Discover Authorized User and CRA's

Make sure that your address matches that of the primary cardholder... I found this was what was needed to get my DH's AU Discover to report as well as his chase card.  Did this by adding him to Zync, which updated his address on Credit reports... After Zync started reporting, Chase and Discover followed suit

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Message 34 of 36
New Visitor

Re: Discover Authorized User and CRA's

The Discover card has not reported yet... still waiting...

Message 35 of 36
New Member

Re: Discover Authorized User and CRA's

Curious to see the updateSmiley Wink
Message 36 of 36