topic Re: Authorized User ; Barclays in General Credit Topics

Authorized User ; Barclays

Whitneyy — Thu, 12 Aug 2021 12:43:37 GMT

Hello all,

I was recently added to a Barclays card as an authorized user by my spouse, but they did not request my social. Only my birthday. Is that normal practice for Barclays? How will it hit my credit reports?

Thank you.

Re: Authorized User ; Barclays

Loquat — Thu, 12 Aug 2021 14:06:16 GMT

I'm not sure if it's normal practice for Barclays but there are a few lenders who don't request the SSN for authorized user. Even still they manage to tie account to the authorized user and as such the card will report to the bureaus.

Re: Authorized User ; Barclays

4sallypat — Thu, 12 Aug 2021 14:20:34 GMT

I have the Barclays Frontier Airlines card and my wife is an AU.

No SSN was required to sign up, but does show on her credit report.

Re: Authorized User ; Barclays

Anonymous — Thu, 12 Aug 2021 15:40:07 GMT

Barclays will report to an AU's credit reports. They do not need the SS number for the AU to do so

Thanks

Mark

Re: Authorized User ; Barclays

Whitneyy — Wed, 24 Nov 2021 01:15:59 GMT

To follow up, this account has ONLY reported to Equifax. Never showed up on others.

Re: Authorized User ; Barclays

Ilinferno — Wed, 24 Nov 2021 01:34:51 GMT

Not specific to Barclays, but I was added to a Chase account as an AU without my social being needed and it started reporting as soon as the statement cut so it is not a requirement (and reports to all 3 bureaus).

Re: Authorized User ; Barclays

OmarGB9 — Fri, 26 Nov 2021 01:37:30 GMT

@Whitneyy wrote:
To follow up, this account has ONLY reported to Equifax. Never showed up on others.

Lenders technically aren't required to report to all 3 bureaus. Normally they do, but they aren't obligated to do so. They're actually not obligated to report at all. The law only says that IF they report, they must report accurately.