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Authorized user

New Contributor

Authorized user

I am just wondering if I was an authorized user on my husbands credit card prior to US filing bankruptcy. Am I eligible to apply to the company for the card or will both of us be on the list since they were a part of bankruptcy? 

Discharged 3/23/17
Fico 8 Scores 3/28/17
EX 606/TU 566/EQ 613
My scores 7/16/17-EX 659/TU 640/EQ 673
Message 1 of 7
6 REPLIES
Frequent Contributor

Re: Authorized user

Yes, you should be able to apply without a problem.


special111 wrote:

I am just wondering if I was an authorized user on my husbands credit card prior to US filing bankruptcy. Am I eligible to apply to the company for the card or will both of us be on the list since they were a part of bankruptcy? 


 

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 2 of 7
Community Leader
Senior Contributor

Re: Authorized user

I think I would remove myself just to be safe. You never know where my name would pop up internally with each lender.  Better safe...


Message 3 of 7
Community Leader
Senior Contributor

Re: Authorized user

Fully agree with elim here!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 4 of 7
Frequent Contributor

Re: Authorized user

Yes, great idea to remove yourself just to be safe.
BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 5 of 7
Frequent Contributor

Re: Authorized user

I think OP has already filed and was authorized user before.  Can she remove herself since accounts are probably closed?

Message 6 of 7
Highlighted
Community Leader
Senior Contributor

Re: Authorized user

Absolutely, the account isn't hers.
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 7 of 7