topic Re: Authorized Users in General Credit Topics

Authorized Users

Anonymous — Sat, 06 Aug 2016 20:56:22 GMT

Hi,

So I was recently added to my fiance's CC's as an authorized user we did it mainly to boost my credit because mine isn't so good but hers is. Both banks did not ask for Date of Birth or Social Security number. It was Chase and Wells Fargo. They said we could call CRA's ourself and tell them what exactly does this mean? I would like these accounts to show up on my CR so how can I do this?

Thanks!

Re: Authorized Users

exw220 — Sun, 07 Aug 2016 00:54:18 GMT

I have my girlfriend's daughter as an AU on my Freedom card, and it found its way onto her credit report in about 2 months.

Re: Authorized Users

Anonymous — Sun, 07 Aug 2016 01:03:03 GMT

Did they ask for her social or bday? If not how can it go on their credit.

Re: Authorized Users

Skye12329 — Sun, 07 Aug 2016 01:09:30 GMT

Generally they can find with you with your last name and address. I did the same with my sister and husband. They were able to find both because we had the same address even though our last names were different.

Re: Authorized Users

exw220 — Sun, 07 Aug 2016 01:20:49 GMT

They most likely used the name and address. They have access to a lot more info than most people realize.

Re: Authorized Users

Berk — Sun, 07 Aug 2016 12:27:46 GMT

Not all issuers report AUs to the CRAs. Check and see if Chase and Wells Fargo do.

Re: Authorized Users

Anonymous — Sun, 07 Aug 2016 14:13:31 GMT

Well a few users just verified that. Also, those are 2 of the main banking institutions in the US so I'm pretty sure they do.

Re: Authorized Users

Anonymous — Sun, 07 Aug 2016 16:09:19 GMT

Make that 3. I can't speak for WF, but my CFU showed up on hubby's report the same day it showed up on mine. And they didn't ask for anything but his name.

Are you in the same household? I have read that they won't show up unless it is the same address and/or the same last name.

Re: Authorized Users

Anonymous — Sun, 07 Aug 2016 16:47:13 GMT

We'be lived together for awhile but we're moving so maybe it'll take longer now

Re: Authorized Users

Anonymous — Sun, 07 Aug 2016 16:58:06 GMT

As long as it is same address to same address I don't think that will matter. As long as they don't require same last name too. I can't remember exactly what I have read about that.

Re: Authorized Users

Anonymous — Mon, 08 Aug 2016 03:05:50 GMT

For sure all Chase takes a name and that's it it shows up.....

remember the CRA are about data, it's their business to FIND stuff about you

collect it, can it and sell

The data they can link a more 'free' to them product they can sell.....they have a sweet business, selling 'rumors' about us

Re: Authorized Users

creativeZero7 — Mon, 08 Aug 2016 11:13:42 GMT

I'm an AU on my wife's Amex and it began reporting across the board on the second month. They did require my SSN during the request to be added as an authorized user. On my reports the account shows up as an authorized account but seems to impact credit no different than my own personal cards. Our goal was to take advantage of the BCE spending categories on the card, but to also lower my utilization. Even without an SSN I'm sure yours will report but I'm not certain.

Re: Authorized Users

Anonymous — Mon, 08 Aug 2016 15:51:28 GMT

Any bank can add an AU with any two pieces of information about the person. SSN is not always required. (from my experience)

Re: Authorized Users

Anonymous — Tue, 09 Aug 2016 15:08:47 GMT

@Anonymous wrote:
Any bank can add an AU with any two pieces of information about the person. SSN is not always required. (from my experience)

True but don't confuse adding a AU with reporting to CRAs....just so ppl know some banks will of course add a AU to

your account as a user as a courtsey that does NOT automatically equal reporting to a CRA regarding the AUs CR

Re: Authorized Users

Anonymous — Wed, 10 Aug 2016 03:02:40 GMT

I just added my boyfriend to a few of my cards to build his credit. Chase never asked for his SSN, but When I called they said they always report for AU's. My BF has a very common name, and we don't share an address, so we shall see!

Re: Authorized Users

Anonymous — Wed, 10 Aug 2016 03:13:30 GMT

Pretty simple. Just have her make you an AU. My hubby and I do that to our cards. Works well. Also just made our eldest daughter an AU on the Plat Amex. We were also able to limit her expenses and get her card declined if she went over the limit we set.

I would call or do a chat. Only way to report is with ss#.

Re: Authorized Users

takeshi74 — Wed, 10 Aug 2016 14:45:30 GMT

@Anonymous wrote:
So I was recently added to my fiance's CC's as an authorized user we did it mainly to boost my credit because mine isn't so good but hers is. Both banks did not ask for Date of Birth or Social Security number. It was Chase and Wells Fargo. They said we could call CRA's ourself and tell them what exactly does this mean? I would like these accounts to show up on my CR so how can I do this?

Creditors do not necessarily need the info in order to report. Give it time to report before you worry about it. Can't speak to Wells Fargo but many prior threads mention that Chase reports for AU's even though they don't request SSN. Don't overlook prior threads as a resource.