Just wanted to add a datapoint.
My SO (we live together, same address) had added me as an AU almost a year ago on her Target MC and it only reported to TU. Low and behold, it magically appeared on Experian today with nothing done on her or my end. It has not reflected on EQ. My score jumped up 15 points and I have a dirty file consisting of 23 lates that includes one 90 day late, no CO, and no charge offs. My Ex FICO 8 score is now 738.
Now if only my it was on my EQ file.
