I was added as an authorized user to my wife’s grandparents account through Chase. We called Chase and were told they 100% report to all 3 bureaus.
Thursday, my equifax was updated. It jumped 40 points. I noticed it on credit karma and it showed the Chase account was added.. Transunion and experian have not updated yet. Chase told us sometimes they don’t all update the same day and it can take anywhere from 3-5 days after they receive the info. Has anyone found this to be true?
We are waiting for these scores to update so we can purchase a home.
Yes, totally normal for the difference in bureau updating to be anywhere from 1-2 days to a week or two -- which can be frustrating when you are expecting a significant change. Unfortunately, all you can do is wait it out.
Personal Aphorism: "Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647 Current FICO 8s | 10/01/2019: EX 747 ✦ EQ 728 ✦ TU 756 Current FICO 9s | 10/01/2019: EX 765 ✦ EQ 765 ✦ TU 758 Highest FICO-8 Ever | 10/2018: 780 [on dirty report] 2019 Goal Score | 760s
My AAOA: 2.8 years not incl. AU / 2.11 years incl. AU My AoOA: 6.8 years not incl. AU / 8.8 years incl. AU Report Status: Clean
Tending my Garden til 2/2020
Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Just an FYI, if I'm not mistaken (someone else with more experience chime in please!) mortgage underwriters usually don't use AU accounts when determining if your profile is mortgage eligible. Not sure if this is gonna help you having those AU accounts on your profile.