came across this thread as I was having the same issues. Then I found on page 73 of Spells.
Quote:
W: Wizardly. An asterisk (*) indicates the spell is available
to bards who can meet its prerequisites. Spells in colleges
allowed to bards sometimes have prerequisites that
fall outside such colleges; these are still marked because
elven and half-elven bards with Magery 0 could learn those
prerequisites!
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I'd read this as any Bard who has managed to learn Magery at a level to learn the prerequisite spells from another collage can do so.