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Dormant AU Card


CreditNewb15
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The last post in this topic was posted 1854 days ago. 

 

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My oldest tradeline is a ~31yo Capital One card that I'm an AU on. Next oldest account is 4 years old.

It's my Dad's and he never uses it.

 

I got some credit monitoring alerts and apparently it has dropped off my TU report. Not sure about EQ and EX yet, but EQ usually updates on CK faster for me than TU and it's still on there.

 

He says he didn't close the card, but that he hasn't used it in months.

Is it possible to swipe it once to get this thing reporting again?

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My oldest tradeline is a ~31yo Capital One card that I'm an AU on. Next oldest account is 4 years old.

It's my Dad's and he never uses it.

 

I got some credit monitoring alerts and apparently it has dropped off my TU report. Not sure about EQ and EX yet, but EQ usually updates on CK faster for me than TU and it's still on there.

 

He says he didn't close the card, but that he hasn't used it in months.

Is it possible to swipe it once to get this thing reporting again?

 

As an AU don’t you have a card also?

 

Call or go online and see that it isn’t closed. If closed, you may be out of luck. If not, you really should be using it every once in a while if you really want to keep it.

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My oldest tradeline is a ~31yo Capital One card that I'm an AU on. Next oldest account is 4 years old.

It's my Dad's and he never uses it.

 

I got some credit monitoring alerts and apparently it has dropped off my TU report. Not sure about EQ and EX yet, but EQ usually updates on CK faster for me than TU and it's still on there.

 

He says he didn't close the card, but that he hasn't used it in months.

Is it possible to swipe it once to get this thing reporting again?

As an AU don’t you have a card also?

 

Call or go online and see that it isn’t closed. If closed, you may be out of luck. If not, you really should be using it every once in a while if you really want to keep it.

 

 

No, I just wanted it for the age, so I've never had an actual card.

I'll try and get him to work that. Reopen if closed.

 

I know that sometimes companies won't report activity if you aren't using it, but for it to completely drop off reports? Even if it got closed?

That seems weird.

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  • 1 month later...

I got my Dad to swipe the thing in mid/late November, but it still hasn't reported to TU.

I called them and TU frontline was adamant that it's a Capital One issue, so I'll be calling them again to see how far I can get.

 

 

I know this isn't relevant for most, but I'm just going to keep a running tab on how this shakes out in case it could help someone with something similar down the road.

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I got my Dad to swipe the thing in mid/late November, but it still hasn't reported to TU.

I called them and TU frontline was adamant that it's a Capital One issue, so I'll be calling them again to see how far I can get.

 

 

I know this isn't relevant for most, but I'm just going to keep a running tab on how this shakes out in case it could help someone with something similar down the road.

It is entirely possible that CrapOne has stopped reporting AU accounts.

 

What did CrapOne say when your father called to inquire (since he has standing to discuss the account and you don't).

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I got my Dad to swipe the thing in mid/late November, but it still hasn't reported to TU.

I called them and TU frontline was adamant that it's a Capital One issue, so I'll be calling them again to see how far I can get.

 

 

I know this isn't relevant for most, but I'm just going to keep a running tab on how this shakes out in case it could help someone with something similar down the road.

It is entirely possible that CrapOne has stopped reporting AU accounts.

 

What did CrapOne say when your father called to inquire (since he has standing to discuss the account and you don't).

 

 

 

I'm not sure, he's difficult.

He still doesn't understand why I want it to report.

I'm going to have to end up calling in AS him.

 

It is still showing on my EQ report.

I can't get in the backdoor on EX for some reason.

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I got my Dad to swipe the thing in mid/late November, but it still hasn't reported to TU.

I called them and TU frontline was adamant that it's a Capital One issue, so I'll be calling them again to see how far I can get.

 

 

I know this isn't relevant for most, but I'm just going to keep a running tab on how this shakes out in case it could help someone with something similar down the road.

It is entirely possible that CrapOne has stopped reporting AU accounts.

 

What did CrapOne say when your father called to inquire (since he has standing to discuss the account and you don't).

 

 

 

I'm not sure, he's difficult.

He still doesn't understand why I want it to report.

I'm going to have to end up calling in AS him.

 

It is still showing on my EQ report.

I can't get in the backdoor on EX for some reason.

 

Not advisable. That is a GREAT way to cost HIM the account AND get a fraud alert attached to his reports. You are an AU. You HAVE NOT indicated you have a written power of attorney to act on his behalf, and even if you did, most lenders will not accept it until THEY have a copy of the document.

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I got my Dad to swipe the thing in mid/late November, but it still hasn't reported to TU.

I called them and TU frontline was adamant that it's a Capital One issue, so I'll be calling them again to see how far I can get.

 

 

I know this isn't relevant for most, but I'm just going to keep a running tab on how this shakes out in case it could help someone with something similar down the road.

It is entirely possible that CrapOne has stopped reporting AU accounts.

 

What did CrapOne say when your father called to inquire (since he has standing to discuss the account and you don't).

 

 

 

I'm not sure, he's difficult.

He still doesn't understand why I want it to report.

I'm going to have to end up calling in AS him.

 

It is still showing on my EQ report.

I can't get in the backdoor on EX for some reason.

 

Not advisable. That is a GREAT way to cost HIM the account AND get a fraud alert attached to his reports. You are an AU. You HAVE NOT indicated you have a written power of attorney to act on his behalf, and even if you did, most lenders will not accept it until THEY have a copy of the document.

 

 

 

OMFG.

 

listen to centex.

 

is his address on your credit report?

 

nothing says a data furnisher needs to report an AU other than spousal.

 

 

 

Good grief, I did not expect this overreaction.

His address is on my report because I lived there until I was 18. I don't think that's unusual.

 

There's no NEED for the AU card to report, and I don't think I even gave the impression that I thought CapOne/TU was at fault for not doing so.

It was really nice because it inflated my score with 30 years of good history as opposed to only 3/4.

It's a dollar store version of D*.

 

He called and asked them to please report the AU account to the CRAs. They obliged and fired off a request that the CRAs report everything that CapOne provides them.

Took less than 5 minutes.

Edited by CreditNewb15
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If it hasn't been closed, maybe they just stop reporting after a time. It costs them $ to report.

 

 

This is what I was thinking since it had been over 1yr since last activity of any kind.

 

 

I got my Dad to swipe the thing in mid/late November, but it still hasn't reported to TU.

I called them and TU frontline was adamant that it's a Capital One issue, so I'll be calling them again to see how far I can get.

 

 

I know this isn't relevant for most, but I'm just going to keep a running tab on how this shakes out in case it could help someone with something similar down the road.

It is entirely possible that CrapOne has stopped reporting AU accounts.

 

What did CrapOne say when your father called to inquire (since he has standing to discuss the account and you don't).

 

 

They continue to report AU accounts apparently. Not sure what they told him about non-usage and reporting, so only half an answer.

Edited by CreditNewb15
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