topic Re: Proper Way To Add Authorized User To Wells Fargo Card? in Credit Cards

Proper Way To Add Authorized User To Wells Fargo Card?

shane82388 — Thu, 22 Aug 2013 09:14:25 GMT

I'm being added to a Wells Fargo card and we went to do it online and its only asking for first and last name...I want this card to report its good history to my account so im just trying to make sure we do it right?

Here is what we are doing...

1. Sign in and click on the credit card account on the main accounts page.

2. Click "Customize My Account" link under "Account Information" box in top left corner of screen.

3. Click "Addition Cardholders" link under "REQUEST CREDIT CARD FEATURES" section.

4. It only asks for First and Last Name and then gives a "Submit" button...

how can this ensure this account will be reported on my credit report? Is there another way to do this better?

Re: Proper Way To Add Authorized User To Wells Fargo Card?

djc1puno — Thu, 22 Aug 2013 09:42:34 GMT

i've added my parents on some of my accounts just by entering their names...and it shows up on their reports so i'm sure what you're doing is just fine

Re: Proper Way To Add Authorized User To Wells Fargo Card?

shane82388 — Thu, 22 Aug 2013 17:09:17 GMT

@djc1puno wrote:
i've added my parents on some of my accounts just by entering their names...and it shows up on their reports so i'm sure what you're doing is just fine

Thats kinda spooky...? I could just type in "Billy Bob" and some random Billy Bob out there would get a card in his name?

I mean how could that work? Ive heard of getting a card without a SSN and they use a name associated with an address which narrows it down pretty well...but never of just a first and last name...?

Re: Proper Way To Add Authorized User To Wells Fargo Card?

shane82388 — Fri, 23 Aug 2013 06:54:56 GMT

@djc1puno wrote:
i've added my parents on some of my accounts just by entering their names...and it shows up on their reports so i'm sure what you're doing is just fine

Anyone confirm this will get me the account reporting to my credit reports?

Re: Proper Way To Add Authorized User To Wells Fargo Card?

djc1puno — Fri, 23 Aug 2013 08:11:46 GMT

@shane82388 wrote:
@djc1puno wrote:
i've added my parents on some of my accounts just by entering their names...and it shows up on their reports so i'm sure what you're doing is just fine
Anyone confirm this will get me the account reporting to my credit reports?

i'm almost sure it will...if it doesn't work out for you with regards to CRs, then you can always remove yourself as AU or main account holder can

Re: Proper Way To Add Authorized User To Wells Fargo Card?

09Lexie — Fri, 23 Aug 2013 08:50:51 GMT

Whether it reports to your bureau will depend if the CRAs can match your information to the account without using your SSN. Things like same last name and address on the account will make the match easier.

If you do not have the same name and/or billing address- the chances of it linking without a SSN - decrease.

Re: Proper Way To Add Authorized User To Wells Fargo Card?

missjae — Fri, 23 Aug 2013 11:23:08 GMT

@shane82388 wrote:
@djc1puno wrote:
i've added my parents on some of my accounts just by entering their names...and it shows up on their reports so i'm sure what you're doing is just fine
Anyone confirm this will get me the account reporting to my credit reports?

I think they use different sources to try to make a match. I've done this with my sister and friends. In my experience, they are usually able to make a match. As long as adding an authorized user doesn't cost, then try it and see what happens. Otherwise you may never know.

Re: Proper Way To Add Authorized User To Wells Fargo Card?

shane82388 — Fri, 23 Aug 2013 14:17:14 GMT

Well, basically what im wondering is if I should be calling a certain number or going to a branch vs doing it online...but i guess its all the same..?

Re: Proper Way To Add Authorized User To Wells Fargo Card?

shane82388 — Sat, 24 Aug 2013 23:36:28 GMT

@shane82388 wrote:
Well, basically what im wondering is if I should be calling a certain number or going to a branch vs doing it online...but i guess its all the same..?

Well, we sent a secure message to Wells Fargo and this was the response...

"I received your email regarding an authorized user.

Because your authorized user is not a joint signer on the credit card,
there will be no credit reporting for the authorized user."

And then mentioned filling out a form to become a joint signer...would that require a hard inquiry to make that happen?

Re: Proper Way To Add Authorized User To Wells Fargo Card?

CribDuchess — Sun, 25 Aug 2013 00:42:13 GMT

@shane82388 wrote:
@shane82388 wrote:
Well, basically what im wondering is if I should be calling a certain number or going to a branch vs doing it online...but i guess its all the same..?
Well, we sent a secure message to Wells Fargo and this was the response...

"I received your email regarding an authorized user.

Because your authorized user is not a joint signer on the credit card,
there will be no credit reporting for the authorized user."

And then mentioned filling out a form to become a joint signer...would that require a hard inquiry to make that happen?

Thanks for posting this. My DH was just approved for a WF Visa Signature card yesterday and after he gets the card, he will add me and our son as authorized users. I actually wouldn't mind if it didn't report on my CRs. I merely wanted to be an AU to maximize the rewards we will earn for the next 6-months.

Of course, I have to wonder if the CSR that answered your message actually knew what he/she was talking about. As we often read here, CSRs do not always provide accurate answers where credit reporting is concerned. This may be a YMMV situation.

Re: Proper Way To Add Authorized User To Wells Fargo Card?

shane82388 — Sun, 25 Aug 2013 00:49:21 GMT

@CribDuchess wrote:
@shane82388 wrote:
@shane82388 wrote:
Well, basically what im wondering is if I should be calling a certain number or going to a branch vs doing it online...but i guess its all the same..?
Well, we sent a secure message to Wells Fargo and this was the response...

"I received your email regarding an authorized user.

Because your authorized user is not a joint signer on the credit card,
there will be no credit reporting for the authorized user."

And then mentioned filling out a form to become a joint signer...would that require a hard inquiry to make that happen?
Thanks for posting this. My DH was just approved for a WF Visa Signature card yesterday and after he gets the card, he will add me and our son as authorized users. I actually wouldn't mind if it didn't report on my CRs. I merely wanted to be an AU to maximize the rewards we will earn for the next 6-months.

Of course, I have to wonder if the CSR that answered your message actually knew what he/she was talking about. As we often read here, CSRs do not always provide accurate answers where credit reporting is concerned. This may be a YMMV situation.

Yeah, i just have this feeling its true becuase id think they'd at least need an address to match to my first nad last name to be able to find my credit file to report the account to...

plus i vaguely rememeber reading them needing a "form" or some type but it ws a long time ago and i cant remember for sure now...

Re: Proper Way To Add Authorized User To Wells Fargo Card?

Anonymous — Sun, 25 Aug 2013 00:57:35 GMT

I think Chase does the same thing. You can add authorized users by entering their first name and last name only. And it's been 2 mo since I've added two people to my account as authorized users and Chase hasn't reported to CSR about them yet.

Re: Proper Way To Add Authorized User To Wells Fargo Card?

shane82388 — Sun, 25 Aug 2013 01:16:32 GMT

Here is what Wells Fargo said about the adding of a joint account user....

"I received your email requesting that we send you a form to add a joint
cardholder to your Wells Fargo credit card.

Your request has been submitted. Please allow ten business days for
delivery of the form.

Once the completed form is received, it will take approximately 14
business days from the date it is received for the secondary account
owner's card to be received. There may be a credit inquiry for the
person you are trying to add."

Sounds like this idea isn't going to work without a hard inquiry...? There must be someone on this board who has successfully become an authorized user on an account at Wells Fargo and has it report to their credit report?

Re: Proper Way To Add Authorized User To Wells Fargo Card?

mongstradamus — Sun, 25 Aug 2013 01:32:01 GMT

@shane82388 wrote:
Here is what Wells Fargo said about the adding of a joint account user....

"I received your email requesting that we send you a form to add a joint
cardholder to your Wells Fargo credit card.

Your request has been submitted. Please allow ten business days for
delivery of the form.

Once the completed form is received, it will take approximately 14
business days from the date it is received for the secondary account
owner's card to be received. There may be a credit inquiry for the
person you are trying to add."

Sounds like this idea isn't going to work without a hard inquiry...? There must be someone on this board who has successfully become an authorized user on an account at Wells Fargo and has it report to their credit report?

I just got added to my mothers wells fargo account. It finally just reported but only to experian so far, i am hoping that it will report to both eq and TU maybe sometime this week. statement date was aug 17.

Re: Proper Way To Add Authorized User To Wells Fargo Card?

shane82388 — Sun, 25 Aug 2013 01:38:51 GMT

How exactly did you do it though? Online? Did you only submit your first and last name? Do you bank with Wells Fargo?

Re: Proper Way To Add Authorized User To Wells Fargo Card?

mongstradamus — Sun, 25 Aug 2013 02:02:59 GMT

@shane82388 wrote:
I just got added to my mothers wells fargo account. It finally just reported but only to experian so far, i am hoping that it will report to both eq and TU maybe sometime this week. statement date was aug 17.

How exactly did you do it though? Online? Did you only submit your first and last name? Do you bank with Wells Fargo?

I recently closed my wells fargo account and moved to an CU before i added myself to my mothers Wells fargo credit card, we have same last name and same address. I did it online thru the website. I called wellsfargo to make sure i was added properly as an AU, they verfied that i was an AU , and just today i noticed that it reported to exp for first time. Hope this information helps.

Re: Proper Way To Add Authorized User To Wells Fargo Card?

shane82388 — Sun, 25 Aug 2013 04:56:35 GMT

@mongstradamus wrote:
@shane82388 wrote:
I just got added to my mothers wells fargo account. It finally just reported but only to experian so far, i am hoping that it will report to both eq and TU maybe sometime this week. statement date was aug 17.

How exactly did you do it though? Online? Did you only submit your first and last name? Do you bank with Wells Fargo?
I recently closed my wells fargo account and moved to an CU before i added myself to my mothers Wells fargo credit card, we have same last name and same address. I did it online thru the website. I called wellsfargo to make sure i was added properly as an AU, they verfied that i was an AU , and just today i noticed that it reported to exp for first time. Hope this information helps.

did the screen you added yourself on look like this? (just for confirmation )

Re: Proper Way To Add Authorized User To Wells Fargo Card?

mongstradamus — Sun, 25 Aug 2013 05:23:34 GMT

@shane82388 wrote:
@mongstradamus wrote:
@shane82388 wrote:
I just got added to my mothers wells fargo account. It finally just reported but only to experian so far, i am hoping that it will report to both eq and TU maybe sometime this week. statement date was aug 17.

How exactly did you do it though? Online? Did you only submit your first and last name? Do you bank with Wells Fargo?
I recently closed my wells fargo account and moved to an CU before i added myself to my mothers Wells fargo credit card, we have same last name and same address. I did it online thru the website. I called wellsfargo to make sure i was added properly as an AU, they verfied that i was an AU , and just today i noticed that it reported to exp for first time. Hope this information helps.
did the screen you added yourself on look like this? (just for confirmation )

yes that looks very familiar. I would just wait for first statement to post , then it should start reporting. I don't know this one seemed to start reporting an lot later then the AU cap one i have, not sure that helps any

Re: Proper Way To Add Authorized User To Wells Fargo Card?

Anonymous — Thu, 30 Jan 2014 23:45:23 GMT

What ended up happening to the WF account? did the AU's see the account history on their profiles also?

Re: Proper Way To Add Authorized User To Wells Fargo Card?

shane82388 — Fri, 31 Jan 2014 02:49:05 GMT

@Anonymous wrote:
What ended up happening to the WF account? did the AU's see the account history on their profiles also?

It did end reporting on my credit reports.