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Do pre authorizations affect my credit score?

New Visitor

Do pre authorizations affect my credit score?

If a merchant takes a pre authorization on one of my credit cards, does that authorized amount affect my score or credit in any way? Does it affect my oustanding balances ratios?

Message 1 of 4
3 REPLIES
Frequent Contributor

Re: Do pre authorizations affect my credit score?

No, I would think nothing happens until the payment posts to your card and then the CC company has to report it to the bureaus.

FICO08 7/27/17 EQ-769, TU-767, EX-761
Gardening unit sometime in 2018
Message 2 of 4
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Super Contributor

Re: Do pre authorizations affect my credit score?


Shekala wrote:

If a merchant takes a pre authorization on one of my credit cards, does that authorized amount affect my score

 

no

 

or credit

 

no

 

in any way? Does it affect my oustanding balances ratios?

 

no


 

FICO8 EQ 721 TU 747 EX 732 Total revolving credit 454000
Message 3 of 4
New Visitor

Re: Do pre authorizations affect my credit score?

On a side note, you can opt out of credit card offers, I would assume that by extension, this minimizes unsolicited preauthorizations.

Message 4 of 4