Authorized User Account removed from my credit report, and I don't know why

[Anonymous]

Today I checked my credit report, I was an authorized user for my wifes credit card with Wal-Mart with a 1400 balance, and it was removed from my credit report. It had been on there about 6 months, then today gone. The same time, they added my Lowe's card she has had for awhile, that I became an authorized user on. Is their a limit on how many cards you can be an authorized user on? GEMB is the creditor for both cards, and I do have another card with GEMB. Maybe that's the deal. Anybody have any ideas?

[Anonymous]

Hi JClay,

Was this by any chance on your TU report?

When I had three GEMB accounts, they would bounce around like crazy.  Some months, one GEMB would report; other months two.  Very rarely did all three report (at least until I closed them - now all three show up).

I didn't have this problem on EX or EQ.

[Anonymous]

Actually it is only on Transunion. All three show up on Experian and Equifax. It is kinda interesting.

[RobertEG]

Inclusion of an AU who is not a party to the legal account agreement between the account holder and the creditor is not something that any crediitor is ever bound to either intiitiate, continue, or report to any CRA,.

You can call and ask why they discontinued, but when push comes to shove, they can delete an AU at their discretion.

Noithing under the FCRA either promotes or regultes AU reporting.  It is false reporting of ones credit history onto another consumer's credit report, and is somehting that was never sanctioned or protected by congress.