Two different persons but same home address?

dearppl · ‎04-23-2014

Hi. This is probably a dumb question, but I was hoping someone could help me to clarify this.

I signed up my Barclay card with my apartment address and got approved. Now, my roommate is also applying for a Barclay card, and he's also using our apartment address. I was wondering if Barclay is going to associate us together in any form. Say, if he misses a payment, will that affect my relationship with Barclay since we reside at the same address?

Thanks!!

pizzadude · ‎04-23-2014

@dearppl wrote:
Hi. This is probably a dumb question, but I was hoping someone could help me to clarify this.

I signed up my Barclay card with my apartment address and got approved. Now, my roommate is also applying for a Barclay card, and he's also using our apartment address. I was wondering if Barclay is going to associate us together in any form. Say, if he misses a payment, will that affect my relationship with Barclay since we reside at the same address?

Thanks!!

I'd bet that it won''t matter, but it's impossible to know for certain. Creditors have been know to take AA for many different reasons, some of which are unknown to us.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

jesseh · ‎04-23-2014

It shouldn't.

amakol · ‎04-23-2014

Like your priest or doctor, your relationship is only between you and Barclays.

EQ 740 FICO, 4 INQ | EX 736 FICO, 5 INQ | TU 745 FICO, 5 INQ | CL $175K | AAOA 4 Years

RushXTC · ‎04-23-2014

That's like saying my mom and/or dad would be affected by me missing a payment. Lol.

BootStraps · ‎04-23-2014

If you have the same name, there is potential for confusion; for example: a father and son with the same name at the same address.

If not, there shouldn't be a problem. Different names and social security numbers and all...

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dearppl · ‎04-23-2014

@pizzadude wrote:
@dearppl wrote:
Hi. This is probably a dumb question, but I was hoping someone could help me to clarify this.

I signed up my Barclay card with my apartment address and got approved. Now, my roommate is also applying for a Barclay card, and he's also using our apartment address. I was wondering if Barclay is going to associate us together in any form. Say, if he misses a payment, will that affect my relationship with Barclay since we reside at the same address?

Thanks!!
I'd bet that it won''t matter, but it's impossible to know for certain. Creditors have been know to take AA for many different reasons, some of which are unknown to us.

I guess so. The only certain thing is that they won't report his credit onto my report.. since we all have different SSN.. But it is annoying.. because credit is one thing, relationship with a company is another..