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How long does it take for a AU account to appear in credit report?

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oupsmince
Established Member

How long does it take for a AU account to appear in credit report?

I have a Discover credit card and I want to add an Authorized User. Next Reporting Cycle: on the 11th of the month. If I add him, How long does it take for the AU account to appear his credit report? How does it vary if I add him early in the billing cycle or close to the end of the billing cycle?

FICO 8 scores 06/2025
EX-722
EQ-731
TU-731
Message 1 of 4
3 REPLIES 3
JoeRockhead
Community Leader
Senior Contributor

Re: How long does it take for a AU account to appear in credit report?

They report once a month, usually a few days after your statement cuts. 

Message 2 of 4
oupsmince
Established Member

Re: How long does it take for a AU account to appear in credit report?

In my account, I see: Statement Period (Feb 12 - Mar 11, 2025). I also see: Last Statement Balance: $0.00 on 04/11/2025. You said "They report once a month, usually a few days after your statement cuts.". Does it mean that the statement cuts on the 11th of the month in my case? So if I add an AU on the 11th, will it appear on his credit report a few days later? Or in 1 month?

FICO 8 scores 06/2025
EX-722
EQ-731
TU-731
Message 3 of 4
JoeRockhead
Community Leader
Senior Contributor

Re: How long does it take for a AU account to appear in credit report?

Yes, your statement cut off date is the 11th.  As to whether they'll report the AU account for this month's statement is  going to greatly depend on when the AU was added and their internal processing time of the added AU information. 

Message 4 of 4
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