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Established Member
dannydannyFICO
Posts: 26
Registered: ‎02-17-2011
0

authorized user

i tried looking for more substantive answers but i couldn't really find any reliable sources. i am curious about the FICO 08 answers

 

1. does adding an authorized user result in the authorized user getting a credit pull? if so, soft pull or hard pull (or does it vary across CRAs and/or the lender)?

2. does adding an authorized user result in the main cardholder getting a credit pull? if so, soft pull or hard pull (or does it vary across CRAs and/or the lender)?

Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: authorized user


dannydannyFICO wrote:

i tried looking for more substantive answers but i couldn't really find any reliable sources. i am curious about the FICO 08 answers

 

1. does adding an authorized user result in the authorized user getting a credit pull? if so, soft pull or hard pull (or does it vary across CRAs and/or the lender)?

2. does adding an authorized user result in the main cardholder getting a credit pull? if so, soft pull or hard pull (or does it vary across CRAs and/or the lender)?


FICO08 is a separate issue to #1 and #2. Per FICO 08, AUs are included. For #1 and #2, neither the AU nor the acct owner's credit will be hard pulled when adding an AU. I'm not sure about soft. I suppose they have to have to way of verifying address info or name info to link both together (since they usually don't ask for a SSN).

Established Member
dannydannyFICO
Posts: 26
Registered: ‎02-17-2011
0

Re: authorized user

thanks.

 

i did a little more reading on AUs, spouse AUs, genuine AUs, etc. The publicized rules vary so much, and the unpublicized rules (e.g. how a genuine AU is determined) that it doesnt even make it worthwhile to determine the answers. My credit is great, and so it the AU's. I just wanted to corroborate what i suspected.


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