@Anonymous wrote:
Just added an authorised user to my credit card. However, they did not ask for his social security number. He has no credit history at all and doesnt have other cards/accounts so this would be useful to build credit. How do i add the SSN for a citibank card? Also, his address is the same as mine, would this cause any problems in credit score reporting for him? read about it somewhere. Can i simply call citibank and ask them to add his social security number to the authorised user account?
I've added AU's to my Chase and Citi cards and I haven't had a problem with it appearing on the AU's report. Like someone said above, so long as they live at the same address, it's pretty easy for lenders to identify AU's. Alternatively, even if they don't live with you now, so long as they lived at the same address as you in the past, the AU can still be pretty easily located via public records.
If, however, the AU lives at a different address, then it may be more difficult to identify him/her. However, I've never had this situation crop up before personally, so I'm not sure if the Lender would be willing to add the AU's SSN to ensure they are identified. I can't imagine they wouldn't be accomodating on this issue. They understand the motivation behind building up someone else's credit profile.
I would warn that there may be a delay in it appearing on the AU's credit report. I think it took a good three months for Chase to show the AU on my CSP. Citi was a bit quicker.
Note: If you want to contact Citi regarding this issue, do it via SM. I would not recommend trying with the regular CSR's. Citi's frontline CSR's are notoriously difficult to deal with. So if you call, ask to get it escalated to someone higher. Otherwise, an SM should suffice.
