Reply
Valued Contributor
j_casteel
Posts: 1,644
Registered: ‎06-21-2012

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.

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:679 EX:706 TU:697
Goal Score: 700
across the board
Established Contributor
cashnocredit
Posts: 947
Registered: ‎07-18-2009

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so my moniker is, well, rather out of date.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 Siggy15k, Amex Plat (60k H/B), Citi AA EWMC 25k
New Contributor
Movin_on_up
Posts: 52
Registered: ‎01-31-2012

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 702 (1/1/2012)

Current scores:
TU FICO 785 (12/28/2013)
EQ FICO 791 (12/28/2013)
EX FICO 791 (12/28/2013)
TU-08 FICO 776 (12/10/2013)

Wallet: Chase Freedom $12,600 - Discover More $12,600 - Walmart $1,000 - Capital One MC $500
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

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)
Valued Contributor
j_casteel
Posts: 1,644
Registered: ‎06-21-2012

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 $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:679 EX:706 TU:697
Goal Score: 700
across the board
Valued Contributor
j_casteel
Posts: 1,644
Registered: ‎06-21-2012

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 $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:679 EX:706 TU:697
Goal Score: 700
across the board
New Contributor
Movin_on_up
Posts: 52
Registered: ‎01-31-2012

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:

Starting score:
EQ FICO 702 (1/1/2012)

Current scores:
TU FICO 785 (12/28/2013)
EQ FICO 791 (12/28/2013)
EX FICO 791 (12/28/2013)
TU-08 FICO 776 (12/10/2013)

Wallet: Chase Freedom $12,600 - Discover More $12,600 - Walmart $1,000 - Capital One MC $500
Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012

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.

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


Take the FICO Fitness Challenge
Valued Contributor
j_casteel
Posts: 1,644
Registered: ‎06-21-2012

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 $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:679 EX:706 TU:697
Goal Score: 700
across the board
Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012

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.

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


Take the FICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+