Adding an authorized user

[Anonymous]

Just to find out what info they would request, I added the AU to my CitiCard account but I they'd receive no card and hve no online access.  I hit "continue" and it's done with nothing else asked!  I thought that maybe it didn't fo though but today their name shows up as an AU but it seems rather meaningless without needing to include a SS number and/or other info.

[Anonymous]

Several years ago, I added my college aged daughter as an authorized user on one of my credit cards. I did request a card for her as the whole purpose was for her to use it at college. When I requested to add her to the account, they never asked for her SS number and I thought that was strange as I wondered how would they identify her. Well, they must go by address because this account has been reporting to her credit report for the last two years. I monitor her credit report as well as mine and this credit card and her student loans are the only items reporting and somehow she has a 670 FICO.

[SwiftTone]

From what I've read, CCCs don't need SSN to report AU. They have other ways of tracking AU down.

[SwiftTone]

So can anyone answer my question??

On the AU's CR, does it say when they were added as an AU on that account?

[Anonymous]

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@SwiftTone wrote:

From what I've read, CCCs don't need SSN to report AU. They have other ways of tracking AU down.

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If the AU is a Jones or Smith, how would they ever know it's the Jones or Smith that is a AU on my account?

[SwiftTone]

The address you give them

[Anonymous]

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@SwiftTone wrote:

The address you give them

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I didn't request another card or allow them online access, so no email address or otherwise was asked of me.

[TNTransplant]

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@SwiftTone wrote:

So can anyone answer my question??

On the AU's CR, does it say when they were added as an AU on that account?

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I was added as an AU on an AMEX in January, 2012.  It shows on my credit report as a new line of credit, opened 1/12.

[SwiftTone]

What information did you give them? Just a name? No address, no SSN?

If it's just a name, then you need to make sure Citi reports AU to their CRAs because otherwise, Citi probably doesn't report AU to CRAs

[Anonymous]

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@SwiftTone wrote:

What information did you give them? Just a name? No address, no SSN?

If it's just a name, then you need to make sure Citi reports AU to their CRAs because otherwise, Citi probably doesn't report AU to CRAs

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That's what I stated, just a name and nothing else.