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Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012
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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.

 

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Frequent Contributor
Posts: 278
Registered: ‎07-29-2012
0

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 ?

Lots of cards and counting !!
Las Vegas REALTOR
FICO 780ish Shooting for 800+
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Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

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.

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