Does Chase Report Authorized Users to Credit Bureaus?

Chase typically reports an authorized user (AU) to Experian and TransUnion as long as the primary account is open, current, and the AU's personal information (name, DOB, SSN) is on file; Equifax usually does not receive the data, so the AU's credit file may only show activity on those two bureaus, and updates generally appear within the next 30‑60 days after the primary's monthly reporting cycle Chase credit‑reporting policy.

If the primary's account is closed, delinquent, or the AU's details are missing, Chase will not send a report, meaning the AU's score will not benefit until the issue is corrected.

Chase typically sends authorized‑user activity to all three major credit bureaus - Equifax, Experian and TransUnion.

• Equifax receives monthly updates on the AU's balance, payment history and account status.
• Experian records the same data, usually within the 30‑ to 60‑day reporting cycle.
• TransUnion also captures AU activity, though occasional delays may occur.
• New Chase accounts sometimes appear on only two bureaus at first; the third usually adds the information after one reporting cycle.

Chase reports the primary card's activity, and that same data shows up on every authorized user's (AU) credit file. The AU does not generate a separate record; instead the AU appears as an additional user tied to the primary account's credit profile.

• Account status (open, closed, or suspended)
• Credit limit assigned to the primary account
• Current balance and credit utilization percentage
• Payment history (on‑time payments, late marks, and days past due)
• Date the account was opened

Because the AU inherits the primary's data, any change to balance, payment timing, or account status updates the AU's credit file in the same 30‑60‑day reporting cycle. This explains why the AU's score can rise or dip in tandem with the primary holder's behavior. For more details, see Chase credit card reporting terms.

Chase AU activity typically shows up on your credit report within the first 30‑45 days after the user is added, then follows the issuer's monthly reporting cycle.

1. Add the authorized user - The primary cardholder adds the AU through Chase's online portal or phone service.
2. Initial reporting window (30‑45 days) - Credit bureaus receive the AU's first line item during this period; expect the account to appear on Experian, Equifax, and TransUnion.
3. Monthly updates (≈30‑day cycle) - After the initial entry, Chase sends updates each month, reflecting balance changes, payment history, and account status.
4. Check for updates (60‑day mark) - Review your credit reports; most AUs see a stable entry and any score movement by this point.
5. If nothing appears - Contact Chase to confirm the AU is flagged for reporting; ask the primary to ensure the account remains active and in good standing.

Boost Score Fast as Chase AU - Keep the AU's credit line under 30 % utilization, and make sure the primary account hits every payment deadline. The bureaus receive the AU's balance and payment data each month, so a low‑balance, on‑time record shows up in the 30‑ to 60‑day update window and can lift the AU's score within a single reporting cycle.

Next, request that Chase push the AU's activity to all three major bureaus (Experian, Equifax, TransUnion). Adding a high‑limit primary card gives the AU a larger available‑credit pool, which further reduces utilization. Monitor the AU's file with a free credit‑watch service and correct any errors promptly; a clean, up‑to‑date file maximizes the score boost before we explore the hidden risks in the next section.

• Chase AU status can expose the secondary holder to several hidden pitfalls.
• Primary‑holder late payments instantly lower the AU's credit score, because the AU inherits the same payment history.
• High balances on the primary card inflate the AU's utilization ratio, which can trigger score drops even if the AU never spends.
• Closing the primary account erases the AU's positive history, leaving a sudden gap that may hurt future credit models.
• Removing the AU from the credit report often requires a formal dispute; until the bureau processes it, the AU remains tied to any negative activity.

Chase AU data usually lands on all three major bureaus within a month, while Amex AU information often arrives later and may skip one bureau.

Chase AU reporting typically includes the original account opening date, current balance, and payment status, and it pushes updates every 30‑45 days. Credit files show the AU as a co‑holder, granting the secondary user the full history of the primary account - a boost that can be noticeable if the primary maintains low utilization and on‑time payments.

Amex AU reporting often excludes Equifax and delays updates to 45‑60 days. The card generally transmits only the account's existence and age, rarely the balance or payment details, so the AU gains credit length without the utilization signal. Consequently, score lifts tend to be modest compared to Chase's fuller data set. (Source: American Express AU reporting practices)

Chase lets you drop an authorized‑user role in a single phone call. Since Chase typically does not send separate AU data to the bureaus, removing the AU simply stops the primary account holder's activity from showing up under that person's credit file.

1. Call the Chase customer‑service line (1‑800‑432‑3117) and identify yourself as the primary cardholder.
2. Ask the representative to 'remove the authorized user' by name and card number.
3. Request a written confirmation via email or regular mail; keep it for your records.
4. Verify the removal by checking the former AU's credit reports after the next monthly cycle (no special 30‑60 day window applies).

As we covered above, the AU's credit impact disappears once the primary account stops reporting under that user's Social Security number. For detailed guidance, see Chase's official AU support page: How to manage authorized users.

A child can start building credit by being added as an authorized user on your Chase card. When you add the kid as a Chase AU, the issuer typically includes the account in the child's credit file, and the major bureaus (usually Experian and TransUnion) receive the same monthly activity that you do, updating the record within 30‑60 days of each cycle.

For example, a 16‑year‑old who is added as an AU will see the Chase account appear on their credit report after the first reporting window, showing the card's age, payment history, and utilization. If the primary holder maintains a low balance and pays on time, the kid's score can climb quickly, especially when the account is several years old. Conversely, a missed payment or high utilization will also show up on the child's report, potentially dragging the score down.

Adding a teenager before they turn 18 works best if they already have a credit file; otherwise the bureau may wait until the child reaches adulthood to create a full file, but the AU status still establishes a credit history that will transfer once the file opens. This strategy lets parents boost a future credit profile without exposing the child to direct debt, as the primary holder remains financially responsible for all charges.

Adding your spouse as an authorized user on a Chase card typically lets them benefit from the account's history without lowering either credit score.

• Maintain on‑time payments and keep utilization below 30 % on the primary account; the AU's score mirrors this data.
• Confirm the spouse's credit file is active; if it isn't, the AU may not register, which avoids any accidental hard pull.
• Check that Chase is sending the AU tradeline to all three bureaus - most do, but verify in your online settings.
• Review the spouse's credit reports after 30‑60 days; any negative change would likely stem from missed primary payments, not the AU status.
• If the spouse already has credit, ensure the new Chase AU doesn't push overall utilization higher, as that could cause a short‑term dip.

For deeper insight see how authorized users affect credit scores.