topic AU Question in Credit Cards

AU Question

Anonymous — Thu, 25 Sep 2008 15:38:47 GMT

First question.

If I add my fiance to my cards as an authorized user, will this affect her credit also?

Second question.

If it does show on her reports, how do some creditors put it on there, because not all ask for a SSN?

Thanks.

Re: AU Question

Creditaddict — Thu, 25 Sep 2008 15:40:44 GMT

It will effect her credit.

Re: AU Question

Anonymous — Thu, 25 Sep 2008 16:06:59 GMT

Not necessarily, if they don't ask for a SS# whose report are they going to put the CC on? Anyone with the name Jane Doe?

Re: AU Question

Anonymous — Thu, 25 Sep 2008 16:14:42 GMT

Pappy,

That's what I don't get. I guess they could match up the name with an address or something, but I'm not sure how much effort they put into it.

Anyone have a defininte answer?

Re: AU Question

Anonymous — Thu, 25 Sep 2008 16:21:05 GMT

I am interested to know myself. Even with a name and address the CRA's could stick the account on a different person than your fiance's report.

Re: AU Question

Anonymous — Thu, 25 Sep 2008 18:36:39 GMT

bump...

Re: AU Question

Creditaddict — Thu, 25 Sep 2008 18:41:02 GMT

i dont' know how exactly they do it.

I thought it was based on address, but i have added friends to my credit cards to help them rebuild and it shows up on there credit right away with no social.

we have had a thread that talked about this extensively in the past.

amex asks for social but not many others do.

Re: AU Question

Anonymous — Thu, 25 Sep 2008 19:10:39 GMT

Credit,

Thanks for clearing that up. I added her to my AMEX and they asked for a social security number, but most others don't.

Re: AU Question

spygame — Thu, 25 Sep 2008 21:04:51 GMT

Added a cousin to my 15 year old CAP ONE account, they didnt ask for the SSN, but i insisted they take it down for reporting purposes. His score jumped up from a 627,650,635 to 700 plus in all 3, in less then 30 days,. Needless to say, he's very greatful. Oh and yeah, got them to deliver the CC to my address, and i activated and destroyed it..just to be on the safer side . MYFICO.COM ex-719 eq-711 tu-758

Re: AU Question

Anonymous — Thu, 25 Sep 2008 21:15:35 GMT

Whats the matter you don't trust your relatives? LMAO!!!!

spygame wrote:
Added a cousin to my 15 year old CAP ONE account, they didnt ask for the SSN, but i insisted they take it down for reporting purposes. His score jumped up from a 627,650,635 to 700 plus in all 3, in less then 30 days,. Needless to say, he's very greatful. Oh and yeah, got them to deliver the CC to my address, and i activated and destroyed it..just to be on the safer side . MYFICO.COM ex-719 eq-711 tu-758

Re: AU Question

spygame — Thu, 25 Sep 2008 22:00:30 GMT

in this day and age..its better being safe than sorry....i was reading a post earlier..where a guy is getting ready to press charges on his mother who was an AU on his account... messed up