AU's....CLI's......Hard pulls....

[Kratos-TM]

I want my wife to increase her credit limit on her discover card and possible BOA too....but as an AU, will they hard pull my report too?

[GlocksAndCredit]

I don't think you can do it as an AU - But you can do it as the Cardholder, thus affecting the AU as well....

[09Lexie]

The credit of an AU is not pulled for a CLI. An AU is not responsible for the card and therefore credit/income etc is not a factor. If the account was joint, then a cr can be requested.

[Kratos-TM]

Ok, good to know. She's gonna do the request, but I just wanted to make sure that I wasn't gonna be hit as well.

[BearsAndTurtlesRtheBest]

Since she is an AU it will HP your credit beacuse your the primary cardholder your DW is just an addictonal card holder. Only in a Joint acct will both incomes count towards the decision of the CLI

[09Lexie]

Wait, is your DW the AU? Or are you the AU?

[Kratos-TM]

I'm the AU......she's the cardholder.

[09Lexie]

Ok, that's what I thought you meant. When your wife requests a CLI, your cr will not be pulled.

[BearsAndTurtlesRtheBest]

Oh! ok then no they will not HP your credit since your the AU and DW is the primary cardholder. Sorry for the mix!

[Kratos-TM]

Ok great. Thanks Lexie.