Adding authorized users

[CerebralZulu]

Which cards offer the best results for FICO scores to the authorized users. I've read some don't give the full age of the account. I would like to reduce the usage percentage and increase age.

[simplynoir]

AMEX is the only one I'm aware of that does NOT backdate any AUs added to cards. There are others where they only report to certain bureaus I'm having trouble searching for the topic on the forum.

[CerebralZulu]

---

@simplynoir wrote:

AMEX is the only one I'm aware of that does NOT backdate any AUs added to cards. There are others where they only report to certain bureaus I'm having trouble searching for the topic on the forum.

---

Well thats a start. Amex would only be good for usage. But would the date I added them be used as a new card date per se?

[Gmood1]

Citibank, BofA, Capital, Synchrony bank, Chase and Navy Federal all back date.
Amex and Discover start from the day you add them.

[Anonymous]

Edited: If you are able to add them as joint, it backdates, but not all issuers add joint account owners. USB, Citi and BBT do. But you can't just remove a joint like an AU, and the joint account holder is also fully responsible for the debt.

[grower1]

---

@Gmood1 wrote:
Citibank, BofA, Capital, Synchrony bank, Chase and Navy Federal all back date.
Amex and Discover start from the day you add them.

---

This is good infomation Gmood1. Recently I added my daughter to a Capital One card that was opened in 2016. It started reporting last month on her reports, I noticed 2 things:

1. The history reported to TransUnion & Experian only reports history for 2018 and 2019

2. It does not report to Equifax at all

Is it normal for partial history to report?