Authorized user question

[castlefox]

If I removed myself as an authorized user would I see my credit score drop ?

[Anonymous]

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@castlefox wrote:

If I removed myself as an authorized user would I see my credit score drop ?

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Hi castlefox.

It depends on the details of the account you're AU on; and the details of your current CR.  If you start a new post with some of that info, you'll get lots of helpful responses!

[Tazman81]

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@halos24 wrote:

Speaking with experience with Chase specifically my husband had added me as an AU on his chase card and they reported it to all 3 reports without my social.  So did Citi, and just recently Discover.  

Now, Amex told me this morning that they would ask for my husbands social to add him to my Costco card for one due to new credit laws?  How true this is who knows, but on their website it also says that the AU should of never defaulted on an Amex card which really is the reason at least I think they ask for SS.  

Bottom line all the other 3 creditors including Chase reported when I was an AU without my social.  

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AMEX asks for this information not for reporting purposes but to make sure the AU does not have a bad account with them.  If you have a bad account, then they do not even want you as an AU of a card and will deny the request.

[castlefox]

Well I was just thinking in advance. 

I need to get added to my parents credit cards since they apparently have a 65K CL on 2 cards.

[halos24]

castlefox I would ask to get added. My dad put me on his discover which has only a $8500 limit open for 11 years and it raised my score by 21 points!

[halos24]

Tazman81- see that is what my concern on adding my husband as an AU to my Costco Amex. He had two Amex cards back from 2005 and he had both go to collections in early 2008. We PIF both of them, and he actually recently was approved for the Amex Gold just last month so I am thinking it might be ok? Now, since I was an AU on both his accounts my Zync and I am hoping the Costco one shows member since 2005.

[Anonymous]

I have a question about adding someone as an AU, will there be any hard pulls of my CR or his? or will it just be a SP or no pull at all?

I am asking because when I added my mom to my AT&T plan (without a 2 year contract for her) they HP my CR

[halos24]

It should not be a hp. With me added to Discover less than 2 months ago I did not see one, I am just an AU where they didnt even ask for my social and they reported to the cr within a week. About the cell phone I also received a hp from AT&T when I got the Iphone about 4 months ago grrrrr!

[Tazman81]

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@halos24 wrote:
Tazman81- see that is what my concern on adding my husband as an AU to my Costco Amex. He had two Amex cards back from 2005 and he had both go to collections in early 2008. We PIF both of them, and he actually recently was approved for the Amex Gold just last month so I am thinking it might be ok? Now, since I was an AU on both his accounts my Zync and I am hoping the Costco one shows member since 2005.

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Yes, he will be fine then.  As long as AMEX got the full amount of the debt back, then you are good to go.

[scottwagnon]

i guess i made a bad assumption here. im kind of shocked. i was sure that they would need a social security number in order for an au to report.

i put my partner on my amex blue cash, and they requested for his ssn. i told them i didn't have it. (i didn't think they would let him on with his bad credit score, so i didn't provide it.)

so he was approved to be an au the next day. about a week later, just after he activated his first card, i knoticed that there was additional account for my partner. i was kind of suprised.

when the second card showed up for him, when he went to activate it, this time it asked for his ssn to confirm activation!

dang! i guess he will report a score now. sweet! and i didn't even have to provide an ssn.