I don't know how they report now, but in the past they have always reported authorized users, hence the reason they ask for your social security number. If they're following prior reporting, the address difference will not matter in the cardholder's address will show up on your credit report most likely on Trans Union or Experian, and the TL showing on all three.
@Anonymous wrote:Thx for the info ive also heard of them somehow finding you without your SSN but i guess its good that they took mine.. Should i have her add me to a citi card as well that also has long history, high limit and minimal balance , the more the merrier or would it not have as much of an effect on the score as the first one?
IMO, being an AU is good to create a credit file, so lenders see something, instead of "no file." It might help, it might not. Most underwriters disregard AU accounts anyways, so the benefits aren't as good as compared to years ago.
Don't expect it to happen overnight, and don't load up on junk low limit cards.
Don't expect your starting limits to match the AU limit, if it's high. They'll recognize the account as an AU, and most likely you'll get manually UW'ed as your file is thin.
@Anonymous wrote:Oh i dont plan on applying for any cards for 6 months or so , and yes no junk cards im hoping for a good card i can use for travel etc. manually UW'ed ? Whats that stand for sorry not familiar with the lingo yet:?
Instead of a computer spitting out a decision, you'll get a "we'll let you know in xx days by mail," where an underwriter will manually review your CR/s, and base a decision from their review-analysis. It's like risk management for a CC company.
