Does Elan report additional users to credit bureaus?

[TyrannicalDuncery]

I just got the Elan Max Cash Preferred card (yay!). I would like to add an authorized user, but I think it would be bad for their credit score if it reported to a bureau.

I also heard that some credit card companies do not report authorized users to credit bureaus.

Do you know whether Elan does?

[OmarGB9]

Why would the new account be bad for the AU's credit?

[FireMedic1]

Only way to hurt the other persons file is carrying a high util % account.

FAQ's:

https://card.myaccountaccess.com/credit/add-con-accounts.do 

[TyrannicalDuncery]

Thanks @FireMedic1!! Can you help me understand why high utilization is the only way to hurt their score? I was more worried about it affecting the average age of my additional user's accounts.

[TyrannicalDuncery]

Good question @OmarGB9 . I was thinking maybe somehow my credit score would "contaminate" the additional user's score. Based on what @FireMedic1 said, it seems like I was worried about nothing.

But I'm also concerned that it might affect my additional user's average age of accounts, age of most recent account, utilization, or other "intangibles" that I may not know about. Thoughts?

[OmarGB9]

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@TyrannicalDuncery wrote:

Good question @OmarGB9 . I was thinking maybe somehow my credit score would "contaminate" the additional user's score. Based on what @FireMedic1 said, it seems like I was worried about nothing.

But I'm also concerned that it might affect my additional user's average age of accounts, age of most recent account, utilization, or other "intangibles" that I may not know about. Thoughts?

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I suppose it would lower the AU's AAoA and AoYA, and reset the newest account timer, yes, but how much would depend on the AU's own individual profile. If they have a thin file, then the effects would be more magnified than if they had a thick file.

[FireMedic1]

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@TyrannicalDuncery wrote:

Thanks @FireMedic1!! Can you help me understand why high utilization is the only way to hurt their score? I was more worried about it affecting the average age of my additional user's accounts.

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@OmarGB9handled the age metric. If your carrying a 50, 60, 70%+ util on the card. It will kill your scores and theirs. If its below 8.99% all is well. Now if they have high util on their own cards. It will add to the misery.