I'm still reading and learning from this forum as much as I can. I keep paying myfico.com for my monthly fico reports - but can only still get TU report but can't get an Equifax or Experian report from them, they state it's unsuccessful, not enough info on them, I guess. Please, someone, tell me - which lenders ONLY use TU to pull consumer reports? I need to apply to these lenders only. My fico score is 683. I became an authorized user on an 18,000 limit on a Mastercard account that is 21 years old - but that hasn't shown on my report yet. My fico.com is giving me a 683 score & says that is slightly below average. Is that true? Any help would be greatly appreciated. I'm still trying to apply for an auto loan for a Honda Civic - which isn't that expensive - but I want good scores before I go in there to apply.
Wait before you apply....... When this account hits your reports, your scores should go way uppp. Usually takes at least a month or so for the au account to report, but could take up to 90 days. Check with the CC company, they should be able to tell you when they reported to the CRA's.
