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Valued Contributor
j_casteel
Posts: 1,898
Registered: ‎06-21-2012
0

Re: Authorized User with Social Security number


DeadSpider wrote:

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.


That's why you need to be very sure who you make an AU and who you become an AU with. It can have negative or positive effects. Of course the good thing about being an AU on someone who is not responsible and/or makes mistakes is that you can be removed from the card then dispute the derog's on your CR with the explanation of "not mine"  and they will remove it most of the time.

 

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $17k | BoA WMC $15k | Freedom $3k | Discover $4k | CSP $5k | Marriott $5k | Costco TE $9k | BoA Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:686 EX:709 TU:703
Goal Scores: 700
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Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012
0

Re: Authorized User with Social Security number

Without pulling a CR CreditKarma should show all card including AU right ?

If it's not on CreditKarma does that mean not reporting ?

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


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Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012
0

Re: Authorized User with Social Security number


DeadSpider wrote:

Without pulling a CR CreditKarma should show all card including AU right ?

If it's not on CreditKarma does that mean not reporting ?


not reporting to transunion at least.

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