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Established Contributor
j_casteel
Posts: 1,002
Registered: ‎06-21-2012

Re: Authorized User with Social Security number

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‎08-23-2012 02:38 PM

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.

 

| AMEX Zync PSL | Walmart $900 | Cap1 Green $1.5k | Amazon $1k | NFCU Visa Sig $10k | NavChek $15k | NFCU Platinum MC $2k | Lowe's $1.2k |
Starting Score:TU:597 EQ:571 7/5/12 (joined myFICO & SW)
Current Score: EQ:653 (ScoreWatch) EX:685 (Amex app) TU:681 (Walmart)
Goal Score: 700
Proud to say that ALL past due debt has been paid and I never declared BK!!
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Regular Contributor
DeadSpider
Posts: 193
Registered: ‎07-29-2012

Re: Authorized User with Social Security number

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‎08-23-2012 04:01 PM

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

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

Cap1 VISA Signature Cash Reward 2005 $6.5K, Freedom MC 2006 $5K, Amex Sky 1999 $2K, Discover IT 2013 3.5K, BCE $8800, NFL $1500
Starting Score: 0
Current Score: 742
Goal Score: 800

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Message 32 of 33 (178 Views)
 
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Valued Contributor
Crashem
Posts: 2,351
Registered: ‎01-26-2012

Re: Authorized User with Social Security number

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‎08-23-2012 04:06 PM

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.

Amex Plat, Amex BCP 8k->24k (5/23/12), Amex TE 15k, CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k (8/20/12), HSBC 15k, JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k
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