cancel
Showing results for 
Search instead for 
Did you mean: 

Authorized User with Social Security number

Valued Contributor

Re: Authorized User with Social Security number

When someone is adding you as an AU from a diff address they can put their address. The card goes to them, and their address is added to your CR.

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 21 of 33
Valued Contributor

Re: Authorized User with Social Security number

I particularly like Amex's AU management. Since the AU gets a different card number, the member can control/limit monthly spending and set notification levels for interim spending. This is a great feature for someone helping an AU establish credit while minimizing risk.


I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k
Message 22 of 33
New Contributor

Re: Authorized User with Social Security number


j_casteel wrote:

When someone is adding you as an AU from a diff address they can put their address. The card goes to them, and their address is added to your CR.


Well, most of that seemed to happen (added me as AU, put their address, card goes to them) but the account has not shown up on my CRs.

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 23 of 33
Valued Contributor

Re: Authorized User with Social Security number

@cashnocredit
Thank you! I was wondering if it was possible to control and put spending limits on the card thanks for that info bro.
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 24 of 33
Valued Contributor

Re: Authorized User with Social Security number


Movin_on_up wrote:

j_casteel wrote:

When someone is adding you as an AU from a diff address they can put their address. The card goes to them, and their address is added to your CR.


Well, most of that seemed to happen (added me as AU, put their address, card goes to them) but the account has not shown up on my CRs.


it can take up to 2mths or so sometimes for an AU to start reporting.

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 25 of 33
Valued Contributor

Re: Authorized User with Social Security number


jsickz32 wrote:
@cashnocredit
Thank you! I was wondering if it was possible to control and put spending limits on the card thanks for that info bro.

thats one of the cool things about AMEX charge cards and adding AU's

 

I've heard people adding themselves as an AU and setting a hard limit on it so that it will actually report another card with a high limit. (b/c charge cards do not report a limit)*

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 26 of 33
New Contributor

Re: Authorized User with Social Security number


j_casteel wrote:

Movin_on_up wrote:

j_casteel wrote:

When someone is adding you as an AU from a diff address they can put their address. The card goes to them, and their address is added to your CR.


Well, most of that seemed to happen (added me as AU, put their address, card goes to them) but the account has not shown up on my CRs.


it can take up to 2mths or so sometimes for an AU to start reporting.


Thanks j_casteel.

 

As with most posters around these parts, (I assume) we all lack a bit of patience in these matters.    Smiley Wink

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 27 of 33
Frequent Contributor

Re: Authorized User with Social Security number

Isn't sometimes a good thing NOT to have it report ? Say if my friend adds me  to use whenever needed but his not 100% making ontime payments ?

That could be a good thing.

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 28 of 33
Valued Contributor

Re: Authorized User with Social Security number


DeadSpider wrote:

Isn't sometimes a good thing NOT to have it report ? Say if my friend adds me  to use whenever needed but his not 100% making ontime payments ?

That could be a good thing.


Why would you want a TL and not have it reporting? Unless, the premise is to just have money and not get "credit" for it.

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 29 of 33
Frequent Contributor

Re: Authorized User with Social Security number

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.

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 30 of 33