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Valued Contributor
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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.

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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so my moniker is, well, rather out of date.

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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.

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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.
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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.

| 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
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Re: Authorized User with Social Security number

[ Edited ]

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)*

| 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
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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.    :smileywink:

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Regular Contributor
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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.

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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.

| 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 |
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Regular Contributor
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Registered: ‎07-29-2012
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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.

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