topic Re: 30k $ AU destroyed my credit in Credit Cards

30k $ AU destroyed my credit

myfarouco — Thu, 27 Jun 2024 23:09:41 GMT

i paid for authorizeduser chase card 30000$ utilization 7% no dispute,late payment , it made my score go up but all preapproved cards shut down , only prearproved that stayed was amex , i was preaproved for many cards from wellsfargo,boa, chase ,citi ect .. i thaught if i add a au 30000$ they might give me more money, but what they did is they all shutdown every preapproval. do you know why?

Re: 30k $ AU destroyed my credit

Anonymous — Fri, 28 Jun 2024 00:06:50 GMT

@myfarouco wrote:
i paid for authorizeduser chase card 30000$ utilization 7% no dispute,late payment , it made my score go up but all preapproved cards shut down , only prearproved that stayed was amex , i was preaproved for many cards from wellsfargo,boa, chase ,citi ect .. i thaught if i add a au 30000$ they might give me more money, but what they did is they all shutdown every preapproval. do you know why?

It's possible that they detected and disliked this "fake" AU business. Or the card wasn't as clean as advertized (Selling AUs isn't exactly a well-regulated business!). If and when preapprovals do start showing (which is no guarantee of approval) just apply for the one that suits your needs the best, rather than doing this sort of stuff in hopes of getting a better deal

And IMO the title is confusing. I thought at first you had added an AU who had run up $30K in debt. In this case, the wrong-doing is slightly more on your side!

Re: 30k $ AU destroyed my credit

wingennis — Fri, 28 Jun 2024 00:13:44 GMT

🫤

Re: 30k $ AU destroyed my credit

Gregory1776 — Fri, 28 Jun 2024 00:29:32 GMT

Great way to have your identity stolen / information sold.

Re: 30k $ AU destroyed my credit

xenon3030 — Fri, 28 Jun 2024 01:40:25 GMT

They might dislike the credit profile of the AU

I assume that you had a good credit profile, since you had several pre-approved offers. So, why did you add the AU? If the profile of the AU is not interesting in comparison to yours, you might proceed to drop the AU.

If you do not mind, you might share some credit information of yourself and the AU (Fico8, AAoA, etc) to see how adding the AU could result a dislike by the lenders.

Re: 30k $ AU destroyed my credit

Remedios — Fri, 28 Jun 2024 01:50:08 GMT

They really aren't looking for answers, it's more of an activity that large non-human entity that lives under a bridge would engage in ...

In other words, trolling.

*See user name

**Notice how "paid" is there for your enjoyment

*** Notice how someone with great credit and all pre-approvals decides to pay for AU status they didnt need

Or, it's a real question and humanity is doomed - we all knew this, but this is seriously moving time tables

Re: 30k $ AU destroyed my credit

Zoostation1 — Fri, 28 Jun 2024 03:21:29 GMT

Sure looks like another bogus AI generated question, and the concern for me is how much I see of this here on myFICO versus other sites.

Re: 30k $ AU destroyed my credit

Anonymous — Fri, 28 Jun 2024 04:07:30 GMT

@xenon3030 wrote:
They might dislike the credit profile of the AU

I assume that you had a good credit profile, since you had several pre-approved offers. So, why did you add the AU? If the profile of the AU is not interesting in comparison to yours, you might proceed to drop the AU.

If you do not mind, you might share some credit information of yourself and the AU (Fico8, AAoA, etc) to see how adding the AU could result a dislike by the lenders.

they didn't add an AU, they paid to get added as an AU on someone else's account. Or, as @Remedios suggests, they really didn't do anything except post

Re: 30k $ AU destroyed my credit

Anonymous — Fri, 28 Jun 2024 04:10:31 GMT

@Remedios wrote:
it's more of an activity that large non-human entity that lives under a bridge would engage in ...

I object to this lazy stereotype! Many of my good friends are trolls and very few live under bridges, not all the time anyway.

OK, not my good friends, I certainly wouldn't to socialize with that sort, but a bit of respect. Maybe.

Re: 30k $ AU destroyed my credit

markhs777 — Fri, 28 Jun 2024 06:27:37 GMT

If this is actually true someone needs their head examined.

Re: 30k $ AU destroyed my credit

Thomas_Thumb — Fri, 28 Jun 2024 11:01:10 GMT

@Anonymous wrote:
@Remedios wrote:
it's more of an activity that large non-human entity that lives under a bridge would engage in ...

I object to this lazy stereotype! Many of my good friends are trolls and very few live under bridges, not all the time anyway.
OK, not my good friends, I certainly wouldn't to socialize with that sort, but a bit of respect. Maybe.

I read somewhere that trolls turn to rock if exposed to sunlight. Is that true?

Re: 30k $ AU destroyed my credit

Kforce — Fri, 28 Jun 2024 16:25:58 GMT

@Thomas_Thumb wrote:
@Anonymous wrote:
@Remedios wrote:
it's more of an activity that large non-human entity that lives under a bridge would engage in ...

I object to this lazy stereotype! Many of my good friends are trolls and very few live under bridges, not all the time anyway.
OK, not my good friends, I certainly wouldn't to socialize with that sort, but a bit of respect. Maybe.
I read somewhere that trolls turn to rock if exposed to sunlight. Is that true?

Re: 30k $ AU destroyed my credit

xenon3030 — Fri, 28 Jun 2024 17:51:51 GMT

@markhs777 wrote:
If this is actually true someone needs their head examined.

If indeed they have any head

Re: 30k $ AU destroyed my credit

myfarouco — Fri, 28 Jun 2024 21:00:06 GMT

i thought this show up automatically here

Re: 30k $ AU destroyed my credit

myfarouco — Fri, 28 Jun 2024 21:01:36 GMT

bro if u ain t helping , why u think am troll.

Re: 30k $ AU destroyed my credit

myfarouco — Fri, 28 Jun 2024 21:05:58 GMT

have no idea why think am troll , i paid 600$ because so many online videos claiming that s gonna open loans credit ect .. but what happened is score went up but cards loans preapprovals shutdown, just subscribed to this site trying learn

Re: 30k $ AU destroyed my credit

myfarouco — Fri, 28 Jun 2024 21:06:58 GMT

seriously ? what does it mean?

Re: 30k $ AU destroyed my credit

myfarouco — Fri, 28 Jun 2024 21:08:06 GMT

why would i spend 29$ FOR this myfico to troll?

Re: 30k $ AU destroyed my credit

myfarouco — Fri, 28 Jun 2024 21:09:02 GMT

all banks just shutdown not one, means there is problem

Re: 30k $ AU destroyed my credit

JR_TX — Fri, 28 Jun 2024 21:10:49 GMT

@myfarouco wrote:
have no idea why think am troll , i paid 600$ because so many online videos claiming that s gonna open loans credit ect .. but what happened is score went up but cards loans preapprovals shutdown, just subscribed to this site trying learn

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