Understanding Chase's Authorized User Reporting to Credit Bureaus

Authorized users are added to an account, but their credit history is not reported to credit bureaus by default.

Chase reports authorized users to credit bureaus, but only if the account is in good standing.

If an account is past due or has other negative marks, Chase will report the authorized user's credit history, but this is not the typical case.

Authorized users can still benefit from being added to an account, even if Chase reports their credit history to credit bureaus.

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Chase typically reports authorized users to credit bureaus, although it's not a guarantee. This can lead to mix-ups with similar names, DOBs, and addresses.

The reporting process can be unpredictable, with some users reporting their AUs after the first statement post addition, while others may not report for several years. In the case of the user's kid, it's been a week since they were added as an AU, and they haven't received an email or seen any addition to the online account.

If you're wondering whether Chase reports your AU, it's best to provide their SS number to a lender to create a separate credit profile. This can help avoid future mix-ups and make it easier to manage their credit.

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Adding an authorized user to a Chase credit card can be a bit confusing, especially when it comes to online access. You can't see your authorized user online, and you have to call to remove them.

It can take a while to see your authorized user's information online, but it's not uncommon for it to take a few weeks. In one case, it took over a month to see the authorized user's information online.

If you're wondering whether your authorized user is being reported to their credit profile, the answer is yes, but it's not always immediate. For one person, it started reporting after the first statement post addition, while for another, it didn't report for about three years.

You can check with Chase to see if your authorized user is being reported, but it's not something you can easily see online. If you're concerned about credit reporting, you might want to consider having your authorized user open a Chase bank account to get their information in their system.

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If you're wondering whether Chase reports authorized users, the answer is a bit complicated. In some cases, yes, Chase does report authorized users to the credit bureaus.

Chase allows you to add authorized users to your credit account, and they will receive their own credit card and account information. Authorized users are typically family members or trusted individuals who can benefit from your good credit habits.

You can add authorized users to your Chase credit card account online or by calling the customer service number. Once added, they'll receive a credit card and can make purchases, pay bills, and monitor their account activity.

A fresh viewpoint: If Removed as Authorized User Is Account Removed from Credit

To check Chase's reporting practices, you can look for an email or see if the authorized user's information has been added to the online account. Typically, it takes a week or more to receive an email or see the addition online, but this can vary.

Chase reports authorized users to credit bureaus, but it's not guaranteed and may depend on the individual's credit profile. For example, one person reported that their AU started reporting to their credit profile after the first statement post addition, while another AU didn't report for ~3 years before suddenly starting to report.

If you're wondering whether Chase reports authorized users to credit bureaus, you can also try checking the AU's credit report. According to one person's experience, all three of their AUs using their SSN on Chase, IHG, Amex Plat, and Barclays Frontier cards were reporting to the AU's credit profile.

Related reading: Fair Credit Reporting Act

If you're wondering how Chase reports authorized users to credit bureaus, the answer is it can vary. They typically do report AUs, but it's not a guarantee.

Chase may report authorized users to credit bureaus after the first statement post addition, but this can take time. In one case, it took ~3 years for an AU's account to start reporting.

You can't see your authorized user's information online, and you have to call to remove them. With Chase, the AU gets a card with the exact same number as the primary.

For Chase cards, keeping an equal or greater amount of deposits (avg daily balance for past couple months) to the minimum credit limit can help with approvals for those with thin/new/no credit.

If you're concerned about mix-ups with similar names, DOBs, and addresses, consider providing the authorized user's SS to a lender.

Credit monitoring services can be a lifesaver if you're concerned about identity theft or errors on your credit report. Some popular options include LifeLock, IdentityForce, and Experian's IdentityWorks.

These services often offer real-time alerts when changes are made to your credit report, which can help you catch potential issues quickly.

Equifax, one of the three major credit reporting agencies, offers a service called Equifax Complete, which includes credit monitoring and alerts.

Chase offers a credit builder credit card, the Chase Slate Edge, which allows you to build credit with a lower credit limit and no annual fee.

This card has a lower credit limit, typically $300-$500, which can help you build credit without overspending.

To qualify for the Chase Slate Edge, you typically need a credit score of 620 or higher.

Chase also offers a secured credit card, the Chase Secure Credit Card, which requires a security deposit to open the account.

The Chase Secure Credit Card has a higher interest rate and an annual fee, but can help you build credit with a lower credit limit.

You can also consider working with a credit builder loan, which allows you to borrow a small amount of money and repay it over time.

Chase does not offer credit builder loans, but you can find them through other lenders.

Keep in mind that these credit builder options may have fees and interest rates, so be sure to read the terms and conditions carefully.

A different take: Do Authorized Users on Credit Cards Build Credit

Chase typically reports authorized users to credit bureaus, though it's YMMV on those with no credit profiles.

You can provide the authorized user's SS to a lender to avoid future mix-ups around similar names, DOBs, and addresses.

Chase has credit reporting specialists who can assist, but they might not be able to help until the authorized user is 18.

If you want to get the authorized user's info in Chase's system, suggest having them open a Chase bank account, which also comes with a checking account bonus.

Chase's AU gets a card with the exact same number as the primary, and you can't see your AU online, you have to call to remove AUs.

It can take up to 3 years for Chase to report an AU's account to their credit profile, even if they live with the primary.

The AU's credit profile will start reporting once the first statement is posted after addition, or after 3 years, whichever comes first.

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