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Author Topic: Which card companies are best for building credit for additional users  (Read 1399 times)

Offline savvydigz

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Which card companies are best for building credit for additional users
« on: September 30, 2021, 09:08:17 PM »
Which card companies are best for building credit for additional users?
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Offline yeshivabucher

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Re: Which card companies are best for building credit for additional users
« Reply #1 on: September 30, 2021, 11:37:18 PM »
i would say amex
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Offline davidd75

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Re: Which card companies are best for building credit for additional users
« Reply #2 on: October 01, 2021, 10:47:49 AM »
I always assumed it was ALL?
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Offline yosefsv

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Re: Which card companies are best for building credit for additional users
« Reply #3 on: October 04, 2021, 01:31:02 PM »
Quote from: yeshivabucher on September 30, 2021, 11:37:18 PM
i would say amex
Quote from: davidd75 on October 01, 2021, 10:47:49 AM
I always assumed it was ALL?
Amex doesn't report the backdated credit history.
Chase sometimes doesn't report at all.

Capital One, BOA, and Discover (among others) do report and do backdate the full credit history.
« Last Edit: October 04, 2021, 01:34:47 PM by yosefsv »
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Offline ckmk47

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Re: Which card companies are best for building credit for additional users
« Reply #4 on: October 04, 2021, 04:19:07 PM »
Quote from: yosefsv on October 04, 2021, 01:31:02 PM


Capital One, BOA, and Discover (among others) do report and do backdate the full credit history.
I didn't know that. thanks!
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Offline yungermanchik

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Re: Which card companies are best for building credit for additional users
« Reply #5 on: October 04, 2021, 05:05:54 PM »
Quote from: yosefsv on October 04, 2021, 01:31:02 PM
Amex doesn't report the backdated credit history.

Quote from: yungermanchik on August 29, 2021, 12:07:49 AM
My "depth of credit" is significantly above my age due to being an AU on one of my father's AmEx cards.
But I guess it only works if you were made an AU before they made this change:
Quote from: grodnoking on August 25, 2021, 10:16:48 AM
You used to be able to get an AU with older accounts and it would backdated your history to theirs. Doesn't anymore.
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Offline Yo ssi

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Re: Which card companies are best for building credit for additional users
« Reply #6 on: October 04, 2021, 06:49:02 PM »
Quote from: yungermanchik on October 04, 2021, 05:05:54 PM
But I guess it only works if you were made an AU before they made this change:
Heard of the amex change. Was chase always that way? Any DPs?
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Offline yosefsv

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Re: Which card companies are best for building credit for additional users
« Reply #7 on: October 04, 2021, 08:26:25 PM »
Quote from: Yo ssi on October 04, 2021, 06:49:02 PM
Heard of the amex change. Was chase always that way? Any DPs?
Chase does not take the SS number of AU's. Chase will usually only report an authorized user if they can match up in their own system a relationship between the primary cardholder and the AU.
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Offline WonderingYid

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Re: Which card companies are best for building credit for additional users
« Reply #8 on: October 07, 2021, 03:18:37 PM »
Quote from: yosefsv on October 04, 2021, 08:26:25 PM
Chase does not take the SS number of AU's. Chase will usually only report an authorized user if they can match up in their own system a relationship between the primary cardholder and the AU.
+1
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