topic Re: Authorized User with Social Security number in Credit Cards

Authorized User with Social Security number

DeadSpider — Thu, 23 Aug 2012 16:39:42 GMT

If I do not provide the persons social when adding them as an authorized user, they are just getting a duplicate card with their name on it and it does not report/affect their credit?

I"m on BestBuy AU i don't remember giving out my SS and still showes up on my CR !!

I know Amex ask for SS when adding.

Does being AU lets say on Discover or any card help the AU for better approval for that card when applied later on ?

I like to know how this works pros/cons

THANKS

Re: Authorized User with Social Security number

jsickz32 — Thu, 23 Aug 2012 16:40:23 GMT

I would like to know this aswell. I added my brother to my amex lastnight but he did put his ss number in the app. Is it gonna report and help him with his CR

Re: Authorized User with Social Security number

j_casteel — Thu, 23 Aug 2012 16:46:12 GMT

some want/need ssn and some don't....

i know AMEX will ask for ssn if adding an AU and Citi does not.

They have different ways to identify you through your name, address, ssn, etc and can report on your credit through any one of those ways.

Re: Authorized User with Social Security number

nicholasyud — Thu, 23 Aug 2012 16:51:18 GMT

@jsickz32 wrote:
I would like to know this aswell. I added my brother to my amex lastnight but he did put his ss number in the app. Is it gonna report and help him with his CR

Its going to help him with his credit and his UTI . If he never had any credit card then its should help his credit score and stuff..just make sure they report to credit bureaus and make sure you maintain the credit card with a good care which is paid on time and using less than 9% every months....

Re: Authorized User with Social Security number

j_casteel — Thu, 23 Aug 2012 17:01:51 GMT

@jsickz32 wrote:
I would like to know this aswell. I added my brother to my amex lastnight but he did put his ss number in the app. Is it gonna report and help him with his CR

yes it will as long as the card has no baddies, low util, and helps his AAoA it will help.

remember, he'll get all the good stuff and the bad stuff.

Re: Authorized User with Social Security number

jsickz32 — Thu, 23 Aug 2012 16:56:35 GMT

thanks guys. And im good at handling my credit my overall utl is at 2%. He doesnt have any cc or has tried to get any.

Re: Authorized User with Social Security number

nicholasyud — Thu, 23 Aug 2012 17:09:21 GMT

@jsickz32 wrote:
thanks guys. And im good at handling my credit my overall utl is at 2%. He doesnt have any cc or has tried to get any.

I think the best change you can take for him that let he stand on your account for several month and then bring him to his local bank and apply for a card that fit with his need.....If they declined he always can go with a secured card put some like 500 dollars deposit to start with......i guess...thats just my opinion

Re: Authorized User with Social Security number

Anonymous — Thu, 23 Aug 2012 17:10:58 GMT

Well Im AU in two of my wife's CC, BofA which ask for SSN and Discover which ask only name. Both of them appear on my CR.

Re: Authorized User with Social Security number

jsickz32 — Thu, 23 Aug 2012 17:21:58 GMT

@nicholasyud
He has checkings with bofa so i might add him to one of my bofa cards and in six months have him apply for his own. After that i plan to have him join NFCU through me and hopefully by then his scores will be good enough for a big CL with them.

Re: Authorized User with Social Security number

nicholasyud — Thu, 23 Aug 2012 17:33:47 GMT

@jsickz32 wrote:
@nicholasyud
He has checkings with bofa so i might add him to one of my bofa cards and in six months have him apply for his own. After that i plan to have him join NFCU through me and hopefully by then his scores will be good enough for a big CL with them.

i think you can join the NFCU anytime as a member let him join it now if you guys plan to.........i just recently help my gf apply for her bank credit card and she had nothing on file......she had her bank like 6 months with good standing and nowhere else approve for her credit...so hope the tips help your case......And dont let he had a big credit limit just yet...let he smart with liltle and see how he maitain his debt ....etc....

Re: Authorized User with Social Security number

jsickz32 — Thu, 23 Aug 2012 17:39:48 GMT

That is why im gonna wait to have him join NFCU. I wanna see how he handles the amex gold first.

Re: Authorized User with Social Security number

nicholasyud — Thu, 23 Aug 2012 18:03:54 GMT

sound great

Re: Authorized User with Social Security number

j_casteel — Thu, 23 Aug 2012 18:12:10 GMT

@jsickz32 wrote:
That is why im gonna wait to have him join NFCU. I wanna see how he handles the amex gold first.

you do realize you can add him as an AU and not give him the card right? I don't think it even needs to be activated for it to report.

Re: Authorized User with Social Security number

Movin_on_up — Thu, 23 Aug 2012 18:16:16 GMT

Does anyone know how long it takes to get AU reporting to show up on your CRs? My folks added me to their Chase card July 1st but still nothing on any of my reports. Chase would not take my social when offered and I live in a different city (so no matchup there). Just want to make sure the bank can make the match.

Thanks.

Re: Authorized User with Social Security number

Anonymous — Thu, 23 Aug 2012 18:17:19 GMT

Amex takes SSN so they report under AU's SSN. Most card issuers just report the name and address. The credit bureaus themselves do the heavy lifting of matching names/addresses to the credit report of the AU. So if AU and primary card holder do not share address or at least old address, AU account might not make it to credit report.

Re: Authorized User with Social Security number

jsickz32 — Thu, 23 Aug 2012 18:18:50 GMT

@j-casteel
Yeah i was gonna do that but im hoping that him knowing that if he messes up it will affect him and me, will teaching responsability and make him more cautious about how he uses the card.

Re: Authorized User with Social Security number

Movin_on_up — Thu, 23 Aug 2012 18:21:41 GMT

@Anonymous wrote:
Amex takes SSN so they report under AU's SSN. Most card issuers just report the name and address. The credit bureaus themselves do the heavy lifting of matching names/addresses to the credit report of the AU. So if AU and primary card holder do not share address or at least old address, AU account might not make it to credit report.

Thanks Crashem. Have not lived at home for a while (lol) so that address does not show on my CRs. I'll make some calls and see if there's another way to match this up.

Re: Authorized User with Social Security number

DeadSpider — Thu, 23 Aug 2012 18:22:47 GMT

If i add say friend of mine say JohnSmith lives not at the same address i don't see it being reported at CR without a SS.

Re: Authorized User with Social Security number

Anonymous — Thu, 23 Aug 2012 18:23:42 GMT

@Movin_on_up wrote:
@Anonymous wrote:
Amex takes SSN so they report under AU's SSN. Most card issuers just report the name and address. The credit bureaus themselves do the heavy lifting of matching names/addresses to the credit report of the AU. So if AU and primary card holder do not share address or at least old address, AU account might not make it to credit report.

Thanks Crashem. Have not lived at home for a while (lol) so that address does not show on my CRs. I'll make some calls and see if there's another way to match this up.

Easiest way is to switch one of your credit cards to your parents address, or dispute with credit bureaus and update address there.

Re: Authorized User with Social Security number

Movin_on_up — Thu, 23 Aug 2012 18:28:04 GMT

I like it. Good creative solutions. I'll give #2 a whirl first.

Thanks again. Much appreciated.

(love this place)