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Authorized User with Social Security number

Valued Contributor

Re: Authorized User with Social Security number

That is why im gonna wait to have him join NFCU. I wanna see how he handles the amex gold first.
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)
Message 11 of 33
Valued Contributor

Re: Authorized User with Social Security number

sound great


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

Message 12 of 33
Valued Contributor

Re: Authorized User with Social Security number


jsickz32 wrote:
That is why im gonna wait to have him join NFCU. I wanna see how he handles the amex gold first.

you do realize you can add him as an AU and not give him the card right? I don't think it even needs to be activated for it to report.

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 13 of 33
New Contributor

Re: Authorized User with Social Security number

Does anyone know how long it takes to get AU reporting to show up on your CRs?  My folks added me to their Chase card July 1st but still nothing on any of my reports.  Chase would not take my social when offered and I live in a different city (so no matchup there).  Just want to make sure the bank can make the match.

 

Thanks.

Starting score: EQ FICO 8 702 (1/1/2012)
Current scores: EQ FICO 8: 763 / TU FICO 8: 760 / EX FICO 8: 765

Wallet: Chase Freedom 12K - Discover More 12K - Walmart 1K - Capital One MC 1K
Message 14 of 33
Valued Contributor

Re: Authorized User with Social Security number

Amex takes SSN so they report under AU's SSN.  Most card issuers just report the name and address.  The credit bureaus themselves do the heavy lifting of matching names/addresses to the credit report of the AU.  So if AU and primary card holder do not share address or at least old address, AU account might not make it to credit report.

               LIMITS IN CARD DESCRIPTIONS
Message 15 of 33
Valued Contributor

Re: Authorized User with Social Security number

@j-casteel
Yeah i was gonna do that but im hoping that him knowing that if he messes up it will affect him and me, will teaching responsability and make him more cautious about how he uses the card.
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)
Message 16 of 33
New Contributor

Re: Authorized User with Social Security number


Crashem wrote:

Amex takes SSN so they report under AU's SSN.  Most card issuers just report the name and address.  The credit bureaus themselves do the heavy lifting of matching names/addresses to the credit report of the AU.  So if AU and primary card holder do not share address or at least old address, AU account might not make it to credit report.


 

Thanks Crashem.  Have not lived at home for a while (lol) so that address does not show on my CRs.  I'll make some calls and see if there's another way to match this up.

Starting score: EQ FICO 8 702 (1/1/2012)
Current scores: EQ FICO 8: 763 / TU FICO 8: 760 / EX FICO 8: 765

Wallet: Chase Freedom 12K - Discover More 12K - Walmart 1K - Capital One MC 1K
Message 17 of 33
Frequent Contributor

Re: Authorized User with Social Security number

If i add say friend of mine say JohnSmith lives not at the same address i don't see it being reported at CR without a SS.

 

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.
Message 18 of 33
Valued Contributor

Re: Authorized User with Social Security number


Movin_on_up wrote:

Crashem wrote:

Amex takes SSN so they report under AU's SSN.  Most card issuers just report the name and address.  The credit bureaus themselves do the heavy lifting of matching names/addresses to the credit report of the AU.  So if AU and primary card holder do not share address or at least old address, AU account might not make it to credit report.


 

Thanks Crashem.  Have not lived at home for a while (lol) so that address does not show on my CRs.  I'll make some calls and see if there's another way to match this up.


Easiest way is to switch one of your credit cards to your parents address, or dispute with credit bureaus and update address there. 

               LIMITS IN CARD DESCRIPTIONS
Message 19 of 33
New Contributor

Re: Authorized User with Social Security number

I like it.  Good creative solutions.  I'll give #2 a whirl first.

 

Thanks again.  Much appreciated.

 

 

(love this place)

Starting score: EQ FICO 8 702 (1/1/2012)
Current scores: EQ FICO 8: 763 / TU FICO 8: 760 / EX FICO 8: 765

Wallet: Chase Freedom 12K - Discover More 12K - Walmart 1K - Capital One MC 1K
Message 20 of 33