momof5 Posted March 15, 2007 Report Share Posted March 15, 2007 OK folks.....I found this "trick" (or "loophole") thread on another credit board website.Basically, many of us know that even if you are an AU on an account, if your address does not match that of the account holder, it does not report. I have been an AU on my mom's home depot for over a year and it never reported. I called them for help and nada. I just thought, "Oh well, I will never get "AU help" for my credit report.... )Yesterday, I read where the OP had logged onto TC, went to the "your account" link. There is your name, current addy and cc info. Below the current addy is a place to enter a previous addy. The OP entered the addy of the account holder and Bang! The AU accounts began reporting!Many old timers advised caution because we don't have enough history to prove the theory. I decided to be one to try it.....I entered my mom's addy in the previous address and then submitted and waited for today to pull a new report. I pulled a new TC this morning. The address was not on any of the 3 so I had figured that it didn't work. I scrolled down and saw 2 accounts I did not recognize. I checked the "more about this account" link....OMG! It is my mom's home depot!!!! It has a $960 balance on a $13500 limit! (It is only reporting on EX at the moment.)Anyway, I checked and my fako went up 50 points! I logged onto experian and pulled one of theirs....my fako went up 45 points there!!! SOOOOO since EX is my WORST score, I pulled a real FICO. Ahhhh a bit of a let down, but still good news....I had an overnight increase of 28 points!!!!! Whooo Hoooo!Thought I would share this with others whose AU accts are not reporting.Good luck! Link to comment Share on other sites More sharing options...
5thsfg Posted March 15, 2007 Report Share Posted March 15, 2007 I would like to know about this also...i've been an Au on my mom's discover account and we don't live at the same address ...this is the first i've heard that you have to live at the same address as the account holder or it won't report to the cra ...discover is not reporting on my report like i said is there some truth to this Link to comment Share on other sites More sharing options...
cuthatcard Posted March 15, 2007 Report Share Posted March 15, 2007 Had no idea on the address issue. I mean I did not know that the AU has to have the same add. as the account holder!Also, about to be added as AU on mothers, different address!! It would be Discover. Was this through TC? Link to comment Share on other sites More sharing options...
momof5 Posted March 15, 2007 Author Report Share Posted March 15, 2007 Well, for AU's they normally do not have the SSN. Because of that, the only link to your bureau is the Name/addy combination. If they only have your name, it will never list. Two of the three and bingo! Link to comment Share on other sites More sharing options...
hajimon Posted March 15, 2007 Report Share Posted March 15, 2007 yeah if u have more info added to the AU the more likely it will be reported so my suggestion is that if parents are adding u have them make the oc add your ssn imhoh Link to comment Share on other sites More sharing options...
momof5 Posted March 15, 2007 Author Report Share Posted March 15, 2007 haji,Home Depot REFUSED to take my SSN to report.For prev poster.....yes, this was on TC. I had been a bit skeptical because if you update the "prev" addy on TC (which is TU), how does it get to all 3? Well, imagine my surprise when EX was the first to pick it up a day later! Link to comment Share on other sites More sharing options...
5thsfg Posted March 15, 2007 Report Share Posted March 15, 2007 discover did take my ss# and name ...not sure about the address....i think my mom gave them her address though and it's still not reporting Link to comment Share on other sites More sharing options...
5thsfg Posted March 15, 2007 Report Share Posted March 15, 2007 i just changed my address to my mom address on tc and then updated my CR and low and behold my mom's discover card is being reported by TU and Experian Eq isn't as of yet will check tomorow ...my score under Ex went up 60 points ....thank you itr works folks thanks again Link to comment Share on other sites More sharing options...
momof5 Posted March 15, 2007 Author Report Share Posted March 15, 2007 Ain't this site GRAND!Cudo's for you, too! Link to comment Share on other sites More sharing options...
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