10-29-2013 09:10 AM
If I am approved for a credit card and then later add my wife as an authorized user. Will this HP on her credit? Thanks!~
10-29-2013 11:56 AM
There would be no permissible purpose based on a request for credit on her part, as she is not reponsble, as an AU, for the account and it can only be used if authorized by you, with your sole acceptance of the debt.
There would be no permissible business purpose to review her credit, as it is not a business transaction for which they would incur any potential business risk.
No permissible purpose = no inquiry.
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