I would like to put my G.F. as an AU on some of my CC’s. She has a bunch of collections on her CR but these are all medical related. I’m gonna say this now, I trust her 100%. I deal with all of our finances and pay our bills. When I talked to the BofA CSR they requested her SSN. I did not proceed any further because of my paranoia that this would trigger something. My CR is spotless as well. Will this trigger a CC closure, limit reduction, or financial review?with her bad CR in mind, will this trigger something with BofA? Any other lenders that would care like other than Amex. I had her as an AU on my Discover CC for a while and they did not require SSN and that was fine.
Don't worry. It won't trigger any adverse reaction. BOA asking her SSN helps them correctly report to the correct credit file (I've not yet heard of a bank denying the privilege of adding an AU based on the prospective AU's credit file).
From my personal experience a friend added me to his BOA secured card at time of application without adding my SSN. The app was done online. It took a couple of months but did report in my file. I have since removed myself as an AU because I got a secured BOA credit card one month after my friend (and he has tanked his card already!).
Tell the representative you prefer to add her without supplying her SSN; if they say they can't, just ask for clarification of what they intend to use her SSN. Maybe that will help lessen your concern.
thank you for the repl. I called back a second time and the CSR did not request her SSN this time.