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Frequent Contributor
Posts: 284
Registered: ‎07-29-2012
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Authorized User with Social Security number

[ Edited ]

If I do not provide the persons social when adding them as an authorized user, they are just getting a duplicate card with their name on it and it does not report/affect their credit? 

 

I"m on BestBuy AU i don't remember giving out my SS and still showes up on my CR !!

I know Amex ask for SS when adding.

 

Does being AU lets say on Discover or any card help the AU for better approval for that card when applied later on ?

I like to know how this works pros/cons

 

THANKS

 

Lots of cards and counting !!
Las Vegas REALTOR
FICO 800ish Shooting for 800+
BCE 20K,ED 10K,Sky 2K, DCVR $6800, Slate 8K, Freedom 5k, Care Credit 10K, Lowes 10K, Cap1 QS $11500, Venture 15K, Paypal 5k Hidden, US Bank Edge Cash Business 20K and NFL $1500 soon to DIE.
Valued Contributor
Posts: 1,989
Registered: ‎06-25-2012
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Re: Authorized User with Social Security number

I would like to know this aswell. I added my brother to my amex lastnight but he did put his ss number in the app. Is it gonna report and help him with his CR
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Posts: 1,979
Registered: ‎06-21-2012
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Re: Authorized User with Social Security number

some want/need ssn and some don't....

 

i know AMEX will ask for ssn if adding an AU and Citi does not.

 

They have different ways to identify you through your name, address, ssn, etc and can report on your credit through any one of those ways.

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 |

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: Authorized User with Social Security number


jsickz32 wrote:
I would like to know this aswell. I added my brother to my amex lastnight but he did put his ss number in the app. Is it gonna report and help him with his CR

 

Its going to help him with his credit and his UTI . If he never had any credit card then its should help his credit score and stuff..just make sure they report to credit bureaus and make sure you maintain the credit card with a good care which is paid on time and using less than 9% every months....

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
Posts: 1,979
Registered: ‎06-21-2012
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Re: Authorized User with Social Security number

[ Edited ]

jsickz32 wrote:
I would like to know this aswell. I added my brother to my amex lastnight but he did put his ss number in the app. Is it gonna report and help him with his CR

yes it will as long as the card has no baddies, low util, and helps his AAoA it will help.

 

remember, he'll get all the good stuff and the bad stuff.

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 |

Valued Contributor
Posts: 1,989
Registered: ‎06-25-2012
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Re: Authorized User with Social Security number

thanks guys. And im good at handling my credit my overall utl is at 2%. He doesnt have any cc or has tried to get any.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: Authorized User with Social Security number


jsickz32 wrote:
thanks guys. And im good at handling my credit my overall utl is at 2%. He doesnt have any cc or has tried to get any.

I think the best change you can take for him that let he stand on your account for several month and then bring him to his local bank and apply for a card that fit with his need.....If they declined he always can go with a secured card put some like 500 dollars deposit to start with......i guess...thats just my opinion

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Regular Contributor
Posts: 211
Registered: ‎08-23-2012
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Re: Authorized User with Social Security number

Well Im AU in two of my wife's CC, BofA which ask for SSN and Discover which ask only name. Both of them appear on my CR.

Valued Contributor
Posts: 1,989
Registered: ‎06-25-2012
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Re: Authorized User with Social Security number

@nicholasyud
He has checkings with bofa so i might add him to one of my bofa cards and in six months have him apply for his own. After that i plan to have him join NFCU through me and hopefully by then his scores will be good enough for a big CL with them.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: Authorized User with Social Security number


jsickz32 wrote:
@nicholasyud
He has checkings with bofa so i might add him to one of my bofa cards and in six months have him apply for his own. After that i plan to have him join NFCU through me and hopefully by then his scores will be good enough for a big CL with them.

i think you can join the NFCU anytime as a member let him join it now if you guys plan to.........i just recently help my gf apply for her bank credit card and she had nothing on file......she had her bank like 6 months with good standing and nowhere else approve for her credit...so hope the tips help your case......And dont let he had a big credit limit just yet...let he smart with liltle and see how he maitain his debt ....etc....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

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