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Ok, so this is a weird scenario.
If you have an account where you are an AU and it is reporting on your report, but you are removed from the account and it is removed from your report. Then, you are added back, the credit bureaus do not add it back to your report. Does anyone know how to fix this?
Now the explaination.
Discover made an error on my wife's DiscoverCard that removed my authorized user status from the account and it fell off the account. Discover added me back, they tried manually pushing an update, it's been 9 months, the card number has changed (I lost my wallet 4 months ago), but it will not report.
Do I just have to keep trying to call Experian, Equifax, & TransUnion and get someone who understands?
Has anyone encountered this?
It's not hurting my utilization a ton, but it's not great fotr my AAoA (it's our oldest open card- we have signifcantly older cards, but they closed)
Thanks, Discover has been no help
If you requested it be removed by dispute then there is a good chance it wont report again. However you are saying the acct number is different so IMHO I see this as Disco not reporting it at all even though they say they have. You can call the CRAs and get a supervisor to see if Disco is actually pushing an update and if so why are they not allowing it to report.
@gdale6 wrote:If you requested it be removed by dispute then there is a good chance it wont report again. However you are saying the acct number is different so IMHO I see this as Disco not reporting it at all even though they say they have. You can call the CRAs and get a supervisor to see if Disco is actually pushing an update and if so why are they not allowing it to report.
No, not by dispute (I initially thought it was something experian screwed up, but later learned it was Discover). The account number is different, but I vaguely remember someone once telling me that accounts have another unique identifier that didn't change with account numbers. However, this is a vague memory from years ago. I'll follow up with Discover and the CRAs, again. I generally hate calling call centers without knowing at least as much as (if not more than) them (I like to be able to call them out when they are BSing me)
My wife and I both have a couple accounts that don't show up on each other's credit reports anymore because we were AUs, then we weren't, now we are again. Is there any way to get to AU accounts to show up again?
@FalconSteve, as per your response on 12/20 (above), did you ever follow-up with the CRAs regarding the AU reporting issue?
I contacted one and the person seemed like they had no idea and getting a person was no easy task. For any future contact, I was hoping to not go in blind.