When will it show on my CR?

[cgreer72]

My father added me as an UA on his Citibank card on April 1. When will I see this on my CR? Will I have a rise in score immediately? Should this show up on my Score Watch?

[llecs]

When is the statement date?

How old is it in relation to your AAoA? Are there any lates on it or does it have a clean history? How is the utilization on that card? Finally, how many CCs do you have?

Once it appears on EQ, you'll get alerted to it on SW.

[cgreer72]

Not sure of the statement date. I have emailed my father to let me know when his statement arrives. He's had the card over 15 years, at least. There are no lates. Clean history. Fathers FICO is 820, mothers is a perfect 850. Im not sure about the utilization, but knowing my father, its low. I dont have any credit cards at the moment. Waiting on my SC from Citibank, but it hasnt arrived yet.

Good news on the SW!

[llecs]

If your average history is less than 15 yrs and/or your oldest CC (opened or closed) is less than 15 yrs, then that alone could cause an increase (depends on those ages). If this is your first or second or third CC reporting, then that could add an increase. If your utilization improves as a result this CC, then that can also bring in an increase.

Citi will report the balance you had on your statement date and will report that within a couple or so days after that.

[cgreer72]

Sounds good to me. I think Im in good shape...I hope! Trying to purchase my first house after a flub earlier this year.

Thanks llecs. Your posts are always insightful and easy to understand.

[Anonymous]

Does Citi report authorized users to the bureaus? Some banks don't. 

[MarineVietVet]

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@Anonymous wrote:

Does Citi report authorized users to the bureaus? Some banks don't. 

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IME (In My Experience) they do.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[cgreer72]

OK, so statement cut yesterday......when should I see a change in score?

[DI]

Yes, Citi report AUs.