topic Re: Authorized user question in General Credit Topics

Authorized user question

Anonymous — Fri, 10 Jan 2014 04:34:03 GMT

Ok, so my GF and I talked about her adding me as an authorized user to her credit card account (she agreed) to help me with my AAoA and get a small score boost (possibly). Her account is about a 17 years old credit card account (Chase Slate card). Well, when she went to add me as an authorized user, they (Chase) went through their normal whole spill with her "You are responsible for any charges to your account if he charges anything, blah, blah, blah". She's was ok with it (she knows I really don't need her credit card for anything, again I'm just looking for her AAoA, etc for a boost).

Well, when she got home she said "honey I added you to my account as an authorized user and they didn't even need your SS#, DOB, or any information like that".... I was like "well then how in the world are they going to link your AAoA, etc to my credit report?". She said "good question, I didn't even think about that".

Does anyone know if we are supposed to specifically indicate to them that we want it linked to my credit report or anything like that? I figured once we would request an AU, they would automatically do those things! Can anyone shed some light on that for me please?? What am I supposed to do next?

Re: Authorized user question

Anonymous — Fri, 10 Jan 2014 05:18:33 GMT

Its normal. they don't need your ssn. they'll figure out who you are. don't ask me how...but they do.

Re: Authorized user question

Anonymous — Fri, 10 Jan 2014 05:24:12 GMT

It just dawned on me that if you live together they'll use the address and link you that way. just goes to show...THE MAN (or waman..as it were) IS ALWAYS WATCHIN.

Re: Authorized user question

Anonymous — Fri, 10 Jan 2014 05:47:14 GMT

although I stay here very often I actually do have my own apt. And never use my GF's address on anything for me.

Re: Authorized user question

Anonymous — Fri, 10 Jan 2014 05:30:58 GMT

@Anonymous wrote:
Its normal. they don't need your ssn. they'll figure out who you are. don't ask me how...but they do.

Are you sure?? I can tell you that there are A LOT of people with my same name in the U.S. I don't know how they will know me from any other person with my name......hmmmm

Re: Authorized user question

Anonymous — Fri, 10 Jan 2014 06:36:53 GMT

I will be very impressed and alarmed at the same time, if they link to my credit report without asking my GF for any of my information other than my first and last name (Which is all she gave them).

Re: Authorized user question

09Lexie — Fri, 10 Jan 2014 10:14:43 GMT

@Anonymous wrote:
I will be very impressed and alarmed at the same time, if they link to my credit report without asking my GF for any of my information other than my first and last name (Which is all she gave them).

CRAs match info using criteria like name, address etc. if your information does not link, you may not get matched. Monitor your CR's for the next few months to be on the safe Side

Re: Authorized user question

takeshi74 — Fri, 10 Jan 2014 13:04:30 GMT

@Anonymous wrote:
Does anyone know if we are supposed to specifically indicate to them that we want it linked to my credit report or anything like that?

This is a fairly common question. If it was needed they would have requested it.

As stated above, keep an eye on your report to confirm.

Re: Authorized user question

Anonymous — Sat, 11 Jan 2014 20:11:24 GMT

Update: So if somehow doesn't match me (and I honestly don't think it will, because we have different last names and addresses. What would I do next to get it to match? Anyone have any ideas?

Re: Authorized user question

Anonymous — Sat, 11 Jan 2014 21:38:12 GMT

Your girllfriend can probably call Chase and give them your SSN to add to your file.

No personal experience with doing this for Chase, but have seen other people ask this question about other companies doing the same thing.

Re: Authorized user question

Anonymous — Sun, 12 Jan 2014 17:55:08 GMT

I just thought of a possible solution to this problem without having to make anymore calls to Chase (possibly): since my GF and I have different last names and addresses (making hard for CRA to link me as an AU). What if I change my "home" address on my current Capital One credit card to my GF's address, then they will report the new address to the CRA's. This will then provide a common address for the CRA's to link us quicker?? What you do think??

Re: Authorized user question

pjsebastian87 — Sun, 12 Jan 2014 18:04:54 GMT

They link it through your birthday..The AU should appear in your CR right after the first billing cycle that you are added. That's about how long it took for my wife's AU under her dad CC to appear in her CR

Re: Authorized user question

Anonymous — Sun, 12 Jan 2014 18:57:30 GMT

They said they didn't need my DOB or SSN. They (Chase) said they link by names and/addresses that's why I was posting this. You and your wife have the same addresses and last names.

Re: Authorized user question

Anonymous — Sun, 12 Jan 2014 19:00:33 GMT

Sorry misread. I thought you said you added to your account.

Re: Authorized user question

Anonymous — Sun, 12 Jan 2014 19:14:17 GMT

Anyhow, my GF kept trying to give them my DOB and/or SSN (se wanted to make sure we linked) and they (Chase) kept telling her they won't need it and that they link through names and address(es). But we have different name and address, so how will they link? If they didn't need my personal information? I can tell you, I have a very common name. That's why I was submitting my post about address on my CC...

Re: Authorized user question

09Lexie — Sun, 12 Jan 2014 21:11:13 GMT

@Anonymous wrote:
Anyhow, my GF kept trying to give them my DOB and/or SSN (se wanted to make sure we linked) and they (Chase) kept telling her they won't need it and that they link through names and address(es). But we have different name and address, so how will they link? If they didn't need my personal information? I can tell you, I have a very common name. That's why I was submitting my post about address on my CC...

I would first see if it appears on your CR's before changing your file.