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Authorized User post Bankruptcy

yourcupoftea
Contributor

Authorized User post Bankruptcy

Hello!

• I’m asking this question on behalf of my brother in law •

My brother in law was discharged of chapter 7 bankruptcy back in August of this year, he’s trying to become an authorized user on my husbands credit card but he has been shut down by AMEX due to having a credit card with them that was discharged in his bankruptcy. His question: what companies are likely to let his be added as an authorized user on my husbands credit card? You name the company, my husband has it.

Thanks in advance all Smiley Happy
4 REPLIES 4
ScooterMcDoodlebutt
Established Contributor

Re: Authorized User post Bankruptcy

Companies that got burned by being IIB, esp Amex, will not touch him for a long time. There is no HP to be added as an AU, so he could try with a few & see what develops...







Message 2 of 5
yourcupoftea
Contributor

Re: Authorized User post Bankruptcy

I’ll let him know that! Thank you Smiley Happy
Message 3 of 5
StartingOver2018
Frequent Contributor

Re: Authorized User post Bankruptcy

^^ +1 Just make sure the account being added as an AU is not a maxed out card.
BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa CLOSED by me May 2020!! :-)($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000 now $2500) Jan. 2019
Target RedCard ($500 at 4 months $800 six months later $1900) April 2019
Venus Comenity ($500 now $1500) May 2019 no HP
Ann Taylor Loft MC ($1000) June 2020 no HP
Overstock ($350 now $2350) June 2020 no HP


FICO 8 SCORES: 06-04-2020633 TU656 EX652 EQ
Message 4 of 5
ScooterMcDoodlebutt
Established Contributor

Re: Authorized User post Bankruptcy

Being added as an AU will help his AAoA, his overall CL, & his payment history, provided, the account(s) he’s added to have low UTL, high CL(s) & perfect pay history. He probably won’t get that big of an overall score bump. YMMV.







Message 5 of 5
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