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Authorized Users and Credit Reporting

Established Member

Authorized Users and Credit Reporting

I discovered today that all the credit cards where I have my husband listed as an AU, none are reporting for him. Is there something I can do to get it to report or request that they report for him so we can see an increase in his score and file? We want to buy a home next Summer.


Thank you in advance!

Message 1 of 6
Valued Contributor

Re: Authorized Users and Credit Reporting

What lenders or cards are they?

Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 2 of 6
Frequent Contributor

Re: Authorized Users and Credit Reporting

Maybe contact the lenders and let them know/tell them they are not reporting and ask for them to report. Thats my suggestion.

Message 3 of 6
Established Member

Re: Authorized Users and Credit Reporting

AmEx, Chase; my retail such as Lowes, Amazon.

Message 4 of 6
Super Contributor

Re: Authorized Users and Credit Reporting

Make sure DW has the required amount of minimum TL's per your lenders guidelines. Some lenders don't count AU accounts.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 5 of 6
Legendary Contributor

Re: Authorized Users and Credit Reporting

Either the creditors have discontinued reporting, or the CRA has discontinued inclusion in his credit report.

Were the accounts previously showing in his credit report, and recently all disappeared, or has it been awhile, or they were never actually added?


If all recently disappearted at the same time, I would suspect something going on at the CRA.

If that is the case, I would begin with a call to the CRA and inquire as to whether the creditors are actually reporting, and if so, why they are not including that reporting in his credit report.

Message 6 of 6
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