AU differences

[Anonymous]

Hi Myfico,

Has anyone noticed that if two people add each other on their CCs as an AU, Transunion reports all AU cards but Equifax reports only the newer ones?

This way the new TU score could go up or down (depending upon other factors) but the Equifax will most likely ding your AAoA.

Cheers!

[RonM21]

Hmm, that's interesting

[Revelate]

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@Anonymous wrote:

Hi Myfico,

Has anyone noticed that if two people add each other on their CCs as an AU, Transunion reports all AU cards but Equifax reports only the newer ones?

This way the new TU score could go up or down (depending upon other factors) but the Equifax will most likely ding your AAoA.

Cheers!

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I'm not sure I follow, shorter tradeline history are the only ones added to EQ?  What lenders are we talking about here as that seems a bit suspect.  Possible some are landing on a different file on EQ?  Is this seen on both your and the other person's reports or just one or the other?

Strikes me as strange honestly but I've never had anyone to go play AU-funsies with.

[Anonymous]

I saw this with three major lenders.

And yes only the newer tradelines reported on Equifax for both people.

TU reported all tradelines for both.

[RobertEG]

The FCRA does not mention reporting on AU accounts.

Procedures are left to the informal discretion of the CRAs and those who produce scoring of CRA data.

Formal involvement ends with the recording of the AU status, and if approprite,  its later termination, under its own ECOA code in field code 37.