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Authorized user question

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Anonymous
Not applicable

Authorized user question

How does the credit know who your authorized user is? I added my husband as an authorized user a couple of years ago. He didn't have a SS# yet as he was just in the process of getting his US permanent residence. Now he has his SS# and he has an acct at NFCU with a secured credit card to try to establish credit since the end of July. We were just FINALLY able to see his FICO score and my Amazon card showed up on his account. I'm glad as it helps his age of the account, I just wonder how they matched it up. Also, I just added him as an AU on my Sam's Club charge card and she didn't want his SS#. So I guess I'll just have to wait and see if it shows up on his account.
Message 1 of 3
2 REPLIES 2
Scupra
Super Contributor

Re: Authorized user question

Name, address, DOB etc..

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 2 of 3
Anonymous
Not applicable

Re: Authorized user question

It's funny but for the most part vendors TRUST the data that THEY find on you from 3rd party sources more so than YOU😒

Remember they report information ABOUT us gathered from 3rd parties NOT information gathered from us...

If they FIND it elsewhere, it's GOLDEN and likely true, directly from 'you'... not so much as you aren't a data furnisher nor a recognized source database

That's why if your bank reports an address for you it's all good...if you report EX is way more likely to ignore you😜
Message 3 of 3
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