authorized card user?

Question

i am an authorized card user on my moms american express but i dont see the payments i make on my credit report and they tell me to take it up with the reporting agencies who tell me that amex is not sending them the info. please help

Answer 1

Why do you want it to show on your report? The bad news for you is, there was a recent change so that Authorized User doesnt help your credit score anymore, anyway. So having them show up on your credit report is a complete waste of time. Whomever told you otherwise would have been right in the past, but hasnt stayed current with their information. Basically, you are wasting your time. Get your own Credit Card if you want it to appear on your credit report.

Answer 2

As an auathorized USER you are not the one responsible for the card, even though you paid for your charges. I have employees who are authorized users of my cards but they are not expected to pay the bills and certainly would not be expecting to get a credit report from my cards.

Answer 3

Don't know why AMX is not reporting, they should be.

But, it really does not matter since the way scores are calculated changed back in September so that authorized users no longer get additional points.

This was brought on by people that used this loophole to increase their credit scores so they could qualify for home loans that they otherwise would not qualify for.

Answer 4

When you are a co-signer, you are essentially piggy back riding on your mom's credit. With that said, it is best for you to apply for your own credit card and establish your own credit. That way the credit bureaus can better track for you credit and you can establish your own credit.
There has been a lot of talk about FICO wanting to change their formula on credit scores and lowering the credit score for those people who aren't primary account holders.

Answer 5

it is my understanding that only the primary card holder, and their SSN is reported to the credit agencies.