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Authorized User Question

Regular Contributor

Authorized User Question

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!~


Starting Score: EQ593 EX 633 TU 649
Current Score: EQ 593 EX 633 TU 649
Goal Score: 700


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Message 1 of 4
3 REPLIES
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Moderator Emeritus

Re: Authorized User Question

No, it shouldn't.

Message 2 of 4
Regular Contributor

Re: Authorized User Question

great thanks!


Starting Score: EQ593 EX 633 TU 649
Current Score: EQ 593 EX 633 TU 649
Goal Score: 700


Take the myFICO Fitness Challenge
Message 3 of 4
Community Leader
Epic Contributor

Re: Authorized User Question

+1

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.

Message 4 of 4