AU Account Reporting

[Anonymous]

I am an AU on an account for the company I work for and it typically stays between 50% - 90% Util from month to month. It is always PIF, however does not report with a low balance. I have seen recently that this has a pretty substantial impact on my FICO scores.

Since I am not financially responsible for the account, is it possible for it to be removed while remaining a user?

[mikesonthemend]

Hopefully you will get a more informed response. As I understand it, you can have each of the 3 agencies remove it from your report, but it will come back each time the card reports. Temp fix at best.

That really sux, most people benefit from being on their employers card.

Perhaps you caould ask your employer if you can use your own card and file expense reports. dunno

[Anonymous]

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@mikesonthemend wrote:

Hopefully you will get a more informed response. As I understand it, you can have each of the 3 agencies remove it from your report, but it will come back each time the card reports. Temp fix at best.

That really sux, most people benefit from being on their employers card.

Perhaps you caould ask your employer if you can use your own card and file expense reports. dunno

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Thanks for the response, that is what I was afraid of.  Yes, it adds $25K to my revolving limit, however (and I’m not 100% sure on this) it hurts more in the Util calc than benefits the total limits.  I am going to speak to them about using my own cards instead.  I am planning to purchase a new home in about 10 mo and will need to be off by then anyway.  I will also get many more MR points by paying for my Business travel and getting reinbursed so it’s probably a win win for me.

[Revelate]

How much is reporting and what’s your total credit limit?

That said if you can get your company to reimburse your expenses on a personal rewards cards: money!

Sadly all the companies I work for currently are hip to that and I am never the big person at the table so I don’t wind up picking up the lunch check at meetings heh. Poor me.

[Anonymous]

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@Revelate wrote:
How much is reporting and what’s your total credit limit?

That said if you can get your company to reimburse your expenses on a personal rewards cards: money!

Sadly all the companies I work for currently are hip to that and I am never the big person at the table so I don’t wind up picking up the lunch check at meetings heh. Poor me.

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$30,400 in available credit with $13,200 balance reporting.  $13,140 is from the AU account, the other $60 is my personal accounts.  I am going to have the conversation this week with them.  Problem is our owner loves the AA miles from the Aviator since I fly 95% AA.  I’ll explain the impact to my score.