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Which card did you use for the AU?
@coolandcalm wrote:Recently added some people to my 15 year old Amex card as authorized users..Their credit file has updated, and is showing the "date opened" as the statement cut date for which I added them (1 month ago)..So the account ages as a new account, instead of an old account, at 15 years..Is this standard for all authorized user credit reporting... or just AMEX??I feel like when I myself was added as an authorized user to a Citi and Barclays card in the past, I received the primary card holders full payment history and account age...
Unlike some lenders like Citi, Capital One, or Barclays, for example, who report the entire history whenever you add AUs, American Express accounts do not. They are reported as new tradelines whenever you add any AUs.
@coolandcalm wrote:Recently added some people to my 15 year old Amex card as authorized users..Their credit file has updated, and is showing the "date opened" as the statement cut date for which I added them (1 month ago)..So the account ages as a new account, instead of an old account, at 15 years..Is this standard for all authorized user credit reporting... or just AMEX??I feel like when I myself was added as an authorized user to a Citi and Barclays card in the past, I received the primary card holders full payment history and account age...
It's just an Amex thing. So it doesn't pay to add an AU to an Amex card if your goal is to let them increase their reported account age.





























Is it easy for someone to remove the "AU" reporting from their credit file?
Think I read somewhere that a standard dispute with the credit bureaus stating "not my account" usually remove the accounts from other credit card companies.. but AMEX is more resistant to that.
Could it backfire on the primary account holder?