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Authorized User with Social Security number

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j_casteel
Valued Contributor

Re: Authorized User with Social Security number


@DeadSpider wrote:

My wife is a AU on her mom VISA BOA 123 and she's not always paying her pills ontime forgets sometimes, that's why I was saying maybe sometimes it's good not to report as I'm worried if AU FICO/CR will be damaged.


That's why you need to be very sure who you make an AU and who you become an AU with. It can have negative or positive effects. Of course the good thing about being an AU on someone who is not responsible and/or makes mistakes is that you can be removed from the card then dispute the derog's on your CR with the explanation of "not mine"  and they will remove it most of the time.

 

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 31 of 33
DeadSpider
Frequent Contributor

Re: Authorized User with Social Security number

Without pulling a CR CreditKarma should show all card including AU right ?

If it's not on CreditKarma does that mean not reporting ?

Message 32 of 33
Crashem
Valued Contributor

Re: Authorized User with Social Security number


@DeadSpider wrote:

Without pulling a CR CreditKarma should show all card including AU right ?

If it's not on CreditKarma does that mean not reporting ?


not reporting to transunion at least.

               LIMITS IN CARD DESCRIPTIONS
Message 33 of 33
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