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Authorized user problem

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Albert_E63
Regular Contributor

Authorized user problem

I was recently added to a authorized user card and its been like a month since its reporting but after checking some stuff i noticed my averaged age CC and oldest card age hasn't changed from before adding the Authorized card, So my question is how can i get this fixed cause the only reason i added the account was for the age of the account

FICO 08 Scores EX 624 EQ 631 TU 646, Goal 800+
6 REPLIES 6
Kforce
Valued Contributor

Re: Authorized user problem

Some card issuers report the date you were added not the original card open date.

You might be out of luck as far as account age on this card.

Should have a little help from another card reporting, and additional credit line.

If you list the cards you could be added as an AU on, users here will help with which ones backdate.

Message 2 of 7
Albert_E63
Regular Contributor

Re: Authorized user problem

its a Best buy card by Citibank, The weird thing is where it shows all my credit info from Ult to ACC age it shows the old Acc ages before adding the card but when i look at my accounts listed it shows the card which is a 7+ years card.

FICO 08 Scores EX 624 EQ 631 TU 646, Goal 800+
Message 3 of 7
K-in-Boston
Credit Mentor

Re: Authorized user problem

Where are you seeing the ages? Credit Karma and some other sites are notorious for not accurately calculating credit ages. If it’s showing on your report, rest assured it is being used to calculate your age of credit history and average age of accounts.

 

Here is an example from my Credit Karma account. My AAoA is actually 8+ years.53278C42-BD62-4D48-885E-2CFD3CF0385A.jpeg

 

 

 

Message 4 of 7
Albert_E63
Regular Contributor

Re: Authorized user problem

Credit age problem.png

This is what it saying btw this is from Experian and Credit karma shows the correct ones, So maybe the problem is with EX since CK shows TU and EQ

FICO 08 Scores EX 624 EQ 631 TU 646, Goal 800+
Message 5 of 7
iv
Valued Contributor

Re: Authorized user problem


@Albert_E63 wrote:

Credit age problem.png

This is what it saying btw this is from Experian and Credit karma shows the correct ones, So maybe the problem is with EX since CK shows TU and EQ


The Experian.com interface shows AAoA including AU accounts on one of the screens, and AAOA excluding AU accounts on the other...

 

Your screenshot is from the "Overview" page - check out the numbers in the "Accounts Summary" section of "Reports & Scores" - you'll likely see a different number.

 

Both are "correct" - just including/excluding AUs. And neither one actually tells you if the anti-fraud system for FICO8/9 has decided to factor in the accounts...

EQ8:850 TU8:850 EX8:850
EQ9:847 TU9:847 EX9:839
EQ5:797 TU4:807 EX2:813 - 2021-06-06
Message 6 of 7
Anonymous
Not applicable

Re: Authorized user problem

It sounds the AU card does appear on the report under the actual list of accounts... is that right?

 

If so, what is the date opened for that account, is it appears on each of the three reports? 

 

And for the accounts that are actually in your name (not AU accounts) what is the Date Opened of the oldest one of those?

 

I am trying to get a handle on whether the AU account would be likely to help you much.

 

Also, what is the balance and credit limit on that account?

Message 7 of 7
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