ok, they want 680 to get a card. But, if you have someone who has one already you can do 2 things 1. AU, no credit pulled, "au", not sure if reports 2. Secondary cardholder. They still don't pull credit. It's a "j" , definitely reports. Here is the kicker, EVEN IF you've screwed First USA in the past, I was told you could still do either an AU or a J on someone else's card. Now, I do know to take all CSR advice w/a grain of salt... so, any experiences on this one? I'm glad I didn't get the First USA I applied for, but my partner has a Platinum (for 7 years) and she's willing to put me on as an AU or as a secondary cardholder. Just wondering if that would give me the "history" I need to boost the scores. What do you guys think?
Well....I was an AU and it's on my report...all my reports..all the bad stuff, all the crap. Lucky me
ok, I know this is a sore spot for you.. but just for my curiosity... did the account report only from the time you were added? Or did it report for the full length of the account being open? By the way, you know you can get the AU off with a "not mine". right.
From what I can tell it reported the entire time. It shows perfect payment history and them bam! So, it should work for you. I am trying to get off on the Not Mine thing right as we speak
It really should be easy. As an AU it's not your account. Make sure to NEVER even say you were an AU. Just say not mine. It should come off easily. If they 'verify' you have them. Legally this one is a no brainer Hey, did you have the card the whole time or were you added later? Does the report denote an AU or does it say Joint? Just really curious. I want one more high line and then I'm done for the year. This one card would finish me for revolving... Thanks again.
I've always been an AU, since the day the pre approval came for the card--and it's reported on all three CRA's correctly as an AU. Be careful & good luck with it. AnnMarie
Hi, I added my husband as an AU after I have the card for a year. On his report, it's shown from the day I added him as an AU not from the beginning. It's also reported on all 3 CRA's as an AU.
Same here.... A friend of mine had a boyfriend who had First USA. He put her on as AU and it reported to all 3 CRA's. I'm not sure if it reported from when she got added on or from the whole life of the account though...
My partner and I are AU's on some of each other's accounts ... BE CAREFUL. He couldn't get a limit increase from Amex on his Blue - too many open accounts (they added 6 AU accounts from me to his total) ... same thing happened to me with BankAmerica (5 AU accounts from his were counted on mine). It may help in the beginning ... but as soon as you or your partner establish credit, removing the AU's may be a good idea.
