TSMRSRNE is making me an AU on her 2010-issued CapOne Visa Sig card. CapOne doesn't require my SS#, so she won't enter it. Thus, the card cannot appear on my CR. Right? And even if it somehow did, the card is 11 years old, so it won't count towards 5/24. Right?
Using the combination of your name and birthdate I think Capital One and the credit bureau can identify you.
My wife's CapOne card's statement closed on 1/21, and, sure enough, the card appeared on my TransUnion credit report today.
I did not find anything to tell us if Capital One backdates AU reports to when the account was opened.
The account's open date is Jan. 08, 2010.
RNE, breathing a sigh of relief.