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Question about AUs and HPs

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Anonymous
Not applicable

Question about AUs and HPs

Added my significant other to my PenFed account as an AU on my Promise card and lo and behold they did a HP on her.  All the other accounts that I've added to her no HP was done.  Anyone else have experiences where your AU was HPed?

Message 1 of 22
21 REPLIES 21
1GaDawg85
Valued Contributor

Re: Question about AUs and HPs

I know when my DW tries to add me to her AMEX, they deny me every time due to my BK

FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 2 of 22
Anonymous
Not applicable

Re: Question about AUs and HPs


@Anonymous wrote:

Added my significant other to my PenFed account as an AU on my Promise card and lo and behold they did a HP on her.  All the other accounts that I've added to her no HP was done.  Anyone else have experiences where your AU was HPed?


@Anonymous,

 

Thats interesting that they did a HP on why.  Have you called to ask why?

Message 3 of 22
Anonymous
Not applicable

Re: Question about AUs and HPs


@1GaDawg85 wrote:
I know when my DW tries to add me to her AMEX, they deny me every time due to my BK

That could be from SP.  They aren't doing a HP on you are they?

Message 4 of 22
Anonymous
Not applicable

Re: Question about AUs and HPs


@Anonymous wrote:

@Anonymous wrote:

Added my significant other to my PenFed account as an AU on my Promise card and lo and behold they did a HP on her.  All the other accounts that I've added to her no HP was done.  Anyone else have experiences where your AU was HPed?


@Anonymous,

 

Thats interesting that they did a HP on why.  Have you called to ask why?


Not yet, figure I'll call them tomorrow 

Message 5 of 22
Anonymous
Not applicable

Re: Question about AUs and HPs


@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

Added my significant other to my PenFed account as an AU on my Promise card and lo and behold they did a HP on her.  All the other accounts that I've added to her no HP was done.  Anyone else have experiences where your AU was HPed?


@Anonymous,

 

Thats interesting that they did a HP on why.  Have you called to ask why?


Not yet, figure I'll call them tomorrow 


Ok.. Why would they do that when technically the AU is not applying for anything.  I look forward to hearing their reasoning for doing so...

Message 6 of 22
Anonymous
Not applicable

Re: Question about AUs and HPs


@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

Added my significant other to my PenFed account as an AU on my Promise card and lo and behold they did a HP on her.  All the other accounts that I've added to her no HP was done.  Anyone else have experiences where your AU was HPed?


@Anonymous,

 

Thats interesting that they did a HP on why.  Have you called to ask why?


Not yet, figure I'll call them tomorrow 


Ok.. Why would they do that when technically the AU is not applying for anything.  I look forward to hearing their reasoning for doing so...


Yeah I think it's very strange.  I know they are a conservative bank and all but they're should have been some kind of notice about it first

Message 7 of 22
Anonymous
Not applicable

Re: Question about AUs and HPs


@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

Added my significant other to my PenFed account as an AU on my Promise card and lo and behold they did a HP on her.  All the other accounts that I've added to her no HP was done.  Anyone else have experiences where your AU was HPed?


@Anonymous,

 

Thats interesting that they did a HP on why.  Have you called to ask why?


Not yet, figure I'll call them tomorrow 


Ok.. Why would they do that when technically the AU is not applying for anything.  I look forward to hearing their reasoning for doing so...


Yeah I think it's very strange.  I know they are a conservative bank and all but they're should have been some kind of notice about it first


Agreed.  HP for an authorized User is a bit much.

Message 8 of 22
jim44
Established Contributor

Re: Question about AUs and HPs


@Anonymous wrote:

Added my significant other to my PenFed account as an AU on my Promise card and lo and behold they did a HP on her.  All the other accounts that I've added to her no HP was done.  Anyone else have experiences where your AU was HPed?


Maybe it's a CU thing?  I've added my SO to two cards one Citi the other Chase. Neither requested my SO's SS# . Strange

Message 9 of 22
chalupaman
Super Contributor

Re: Question about AUs and HPs

That's odd. I've never heard of that before. Maybe it was an error.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 10 of 22
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