Authorized User "advantage" going away?

[earon_williams]

Good morning/afternoon everyone!

So I just got off the phone with a "credit counsel" professional. She stated that any credit cards with authorized users will have those authorized users removed by September 1st, meaning anyone who is a AU will LOOSE their utlization, account and credit limit on all 3 CRA's. 

Does anyone know about this?

Thank you!

[Anonymous]

First I've heard of it - but I'm not a fan of the whole AU thing anyway.

[sccredit]

Pick up your feet.......

[earon_williams]

I highly agree, the only reason why I personally am an AU on my wifes account is to rebuild my credit. Once I get at a good place in my journey, I'll remove myself ASAP. This professional also recommended that I use Privacy Guard for accurate credit scores, which sounds fishy because they use CreditXperts instead of FICO. In fact she bashed myFICO and the FICO scores I provided to her saying that NONE of it is accurate. I did my research and dug through and assured her that it was accurat but to be frank, she was a **bleep** about it....

[Anonymous]

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@earon_williams wrote:

I highly agree, the only reason why I personally am an AU on my wifes account is to rebuild my credit. Once I get at a good place in my journey, I'll remove myself ASAP. This professional also recommended that I use Privacy Guard for accurate credit scores, which sounds fishy because they use CreditXperts instead of FICO. In fact she bashed myFICO and the FICO scores I provided to her saying that NONE of it is accurate. I did my research and dug through and assured her that it was accurat but to be frank, she was a **bleep** about it....

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Probably gets a kickback from Privacy Guard....

[darwin_wins]

Didn't even know this kinda score/ report exists. Doesn't anyone even use this?

[Creditwiser]

Sounds as if this woman does not have your best interests in mind. The only thing I could gather from a quick Google search was that beginning sept 2016 all new AU accounts must list the users DOB.