I have just received my discharge papers for a chp 7 bk. I want to rebuild my credit and plan on being added to my cousin's credit card accounts. Please make of list of CC's that report Authorized Users to the major credit bureaus.........
Just found one. Citibank Mastercard / Visa Does anyone know anymore banks? Please start a list. Does anyone know if National City Visa reports AU's?
I know Discover does, I am an AU on my hers. I wonder how it factors into my score 15K limit 0 balance. Worse thing is they don't list credit limits.
First USA,Chase, Att Universal and Cap One, Orchard and Household from: http://consumers.creditnet.com/stra...=270955&highlight=authorized+users#post270955 DISCOVERCARD,American Express,Providian. MBNA from: http://consumers.creditnet.com/stra...=246490&highlight=authorized+users#post246490 citibank from: http://consumers.creditnet.com/stra...=220109&highlight=authorized+users#post220109 DMB from: http://consumers.creditnet.com/stra...=199494&highlight=authorized+users#post199494 best buy(issued by house hold me thinks) from: http://consumers.creditnet.com/stra...=140795&highlight=authorized+users#post140795 Bank One,Texaco, Spiegel, Wells Fargo from: http://consumers.creditnet.com/stra...=139627&highlight=authorized+users#post139627 im going to bed finish your own damn search!!!(haha j/k bout the finish our own search part)
So far, my friend has seen the following put on her reports: 1. Discover Card 2. Target Visa 3. Citibank Platinum Select 4. Sears Card 5. Sears Mastercard I'll post an update soon in the future, as I just added her to MBNA and Chase. We'll see what happens there.
1. JCPenney 2. Target Guest Card 3. Target VISA 4. Chase Platinum VISA/MasterCard 5. MBNA Platinum 6. Fleet MC/VISA 7. Discover Platinum (DOES report limit) 8. Citi WorldMC/Signature VISA (doesn't report limit, but you can get around this either by running the balance up, then keeping it low; or by sending the original or current statement to the CRAs--although, even then some won't report it. The down side is, if the CRA does report what YOU say the limit is, then later Citi raises it, you have to start over convincing CRAs.) 9. Nordstrom 10. Saks Fifth Avenue (won't report limit--see above) 11. AMEX (any of them) 12. Sears Gold MC 13. Bank of America Platinum VISA
one other option that worked for me was actually being added as a joint user. MBNA didn't seem to report me as an AU so i went on as joint. This can be particularly useful if you have no credit and want to apply for a home loan because they often want to see that you have had a couple accounts for a long time and an AU wont cut it. USAA doesn't report.