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Authorized User with Social Security number

Valued Contributor

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.

 

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 31 of 33
Frequent Contributor

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 ?

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 32 of 33
Valued Contributor

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.

               LIMITS IN CARD DESCRIPTIONS
Message 33 of 33