cancel
Showing results for 
Search instead for 
Did you mean: 

Lowes Card: Problem Adding AU

Valued Contributor

Lowes Card: Problem Adding AU

When I added an AU to my card this morning the prompts only requested a name and birthdate. No SS# or address. How do they know who to report as AU to the CRAs? I asked in CHAT but was told they report to the CRAs & they make do with only that information.

 

Sounds wonky to me. Who's had experience with this?

 

Thanks.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (09/16/2020): FICO 08 EXP: 747; TU: 758; EQ: 775
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 1 of 4
3 REPLIES 3
Highlighted
Moderator Emeritus

Re: Lowes Card: Problem Adding AU

Nothing wonky IMO.  I've added a variety of AUs to my SYNCB CCs and they've only asked for those 2 pieces of information.  About the only one that asked for SS# was CareCredit a long time ago. 

 

If the AU information you provide has cognitive data (name, DOB, address*) that matches CRA parameters, then that's how it's added.

Message 2 of 4
Highlighted
Valued Contributor

Re: Lowes Card: Problem Adding AU


@FinStar wrote:

Nothing wonky IMO.  I've added a variety of AUs to my SYNCB CCs and they've only asked for those 2 pieces of information.  About the only one that asked for SS# was CareCredit a long time ago. 

 

If the AU information you provide has cognitive data (name, DOB, address*) that matches CRA parameters, then that's how it's added.


Well, that's reassuring. Thank you, Fin.

 

Follow-up questions:

 

1) I added AU yesterday & my account already shows it as such; Lowes reports my info to CRAs on the 23rd -- should the AU expect it to show this quickly on the AU's report?

 

2) The AU has only two revolving accounts (1 bank; 1 retail), so will this card "count" as the 3rd revolving card necessary for optimized scoring purposes? 

 

3) Any caveats of the unintended consequences variety I should look out for? 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (09/16/2020): FICO 08 EXP: 747; TU: 758; EQ: 775
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 3 of 4
Highlighted
Moderator

Re: Lowes Card: Problem Adding AU

Sometimes adding AU will force mid cycle reporting. It's happened to me with Synch and Disco. After that, they reported again on statement date.  

Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.