Credit Cards Center Credit cards from our partners
Regular Contributor
Posts: 243
Registered: ‎02-22-2012

Target Authorized User Question...

My wife has had a target card for quite a few years without any late payments so I had her add me as an authorized user in order to get the account on my CR. Here is what confuses me though. She said they didn't ask for any information other than my name, which they got wrong on the card and she had to request a new corrected card. So they don't have my address, since the one they have on file for her is her parents address, and they don't have my SS# or date of birth. How in the world can they update my credit report with such limited information?

Current Score: FICO EQ665-TU677-EX698
Wallet: Cap One Rew. $3500, Cap One Plat. $2500, Barclay $2600, Old Navy Visa $2500, HSBC $2500, Credit One $2500, BoA $3000, Chase Freedom $3000, Slate $900, Wal-Mart Discover $2500-STORE CARDS: Amazon $3500, Lowes $2000, Kay's $7600
Established Contributor
Posts: 635
Registered: ‎07-29-2010

Re: Target Authorized User Question...

I'm not sure but they do.


My mom is an AU on 3 of my cards and none of them required her SSN, just her name. And all of them have popped up on her CR.


I've heard they do it by address, but we don't live at the same address and haven't for over 6 years, so I really don't know.

Discover IT $30K | FNBO Visa $25K | Citi Forward (grandfathered 5x Restaurants!) $14.5K | US Bank Cash+ Visa Sig $15K | Priceline/Barclays $15K | Chase Freedom $10.5K | Amazon/Chase Visa Sig $8.3k | Southwest Premier $7.8K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity AMEX $7K | Citi Double Cash $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Younkers/Comenity $2.4K | AMEX BCE $3K | Target $1K | EX FICO (from AMEX): 762, TU08 FICO (from Discover): 763, AAoA: 4.3 years

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.