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I added my son to Target and my boyfriend to Macy's. Neither one has reported. I've read that if they are Visa/MC/Amex, and require the SSN, they are the ones that will report AU.
They report.
They don't report. However, in some cases for specific retail cards or the majors (depending on the lender), is if the address is the same for both parties on the same account, then in those scenarios the AU could report to the CRAs. You would need to check with the lender though just to confirm.