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Authorizing a user resulting in HP?

Smilez
Member

Authorizing a user resulting in HP?

I called Discover last night to add my husband as an authorized user, I was told it needed to be approved & it could result in a HP. Does that sound right?
Message 1 of 6
5 REPLIES 5
ImTheDevil
Community Leader
Super Contributor

Re: Authorizing a user resulting in HP?

It doesn’t sound common - first I’ve heard of it, and when I added my wife to my cards (any of them, not just Disco), it wasn’t done because she isn’t getting an account. It does not sound right. I suppose they have the right to do it if they want but my feeling is you’ve been given incorrect info.


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Message 2 of 6
SBR249
Established Contributor

Re: Authorizing a user resulting in HP?


@Smilez wrote:
I called Discover last night to add my husband as an authorized user, I was told it needed to be approved & it could result in a HP. Does that sound right?

No, unless you are also requesting a CLI or new credit, it's not a permissible reason to do a HP. A request for an AU is not a request for new credit. 

 

See: https://ficoforums.myfico.com/t5/General-Credit-Topics/I-added-authorize-user-to-my-Amex-and-they-di...

Message 3 of 6
CreditInspired
Super Contributor

Re: Authorizing a user resulting in HP?


@ImTheDevil wrote:
It doesn’t sound common - first I’ve heard of it, and when I added my wife to my cards (any of them, not just Disco), it wasn’t done because she isn’t getting an account. It does not sound right. I suppose they have the right to do it if they want but my feeling is you’ve been given incorrect info.

I agree. I suggest calling back and asking again. It’s probably just a miscommunication. 


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Message 4 of 6
Smilez
Member

Re: Authorizing a user resulting in HP?

Thank you everyone, I’m going to call again and ask. From what I read in the thread that was in the link AMEX has done HP on the account holder to verify.....I definitely don’t want a HP. I’m rebuilding credit so if i still can’t get a clear answer from Disco i just won’t add him.
Message 5 of 6
Berk
Established Contributor

Re: Authorizing a user resulting in HP?

That has never happened to me. My SO is on the majority of my cards and I even have her oldest as an AU on one of my Amex cards. 

Over $300,000 in credit across 12 cards.

FICO ranges from 807-813 as of 06/15/2021
Message 6 of 6
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