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Authorized Users

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Valued Contributor

Authorized Users

Hi,

So I was recently added to my fiance's CC's as an authorized user we did it mainly to boost my credit because mine isn't so good but hers is. Both banks did not ask for Date of Birth or Social Security number. It was Chase and Wells Fargo. They said we could call CRA's ourself and tell them what exactly does this mean? I would like these accounts to show up on my CR so how can I do this?

Thanks!
16 REPLIES 16
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Established Member

Re: Authorized Users

I have my girlfriend's daughter as an AU on my Freedom card, and it found its way onto her credit report in about 2 months.

Amex BCP $35000, Disc IT $30500 ,Cap 1 QS $13600, Cap 1 QS $4300, Orbitz Rewards Visa $12500, Care Credit $12000, Chase Freedom $25000, Home Depot $5000.
Message 2 of 17
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Valued Contributor

Re: Authorized Users

Did they ask for her social or bday? If not how can it go on their credit.
Message 3 of 17
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Valued Contributor

Re: Authorized Users

Generally they can find with you with your last name and address. I did the same with my sister and husband. They were able to find both because we had the same address even though our last names were different.

NFCU Flagship: 15K
NFCU Amex: 7.5K
BOA Cash Rewards: 500
Affinity Plus CU Premier: 7.5k
Message 4 of 17
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Established Member

Re: Authorized Users

They most likely used the name and address. They have access to a lot more info than most people realize.

 

Amex BCP $35000, Disc IT $30500 ,Cap 1 QS $13600, Cap 1 QS $4300, Orbitz Rewards Visa $12500, Care Credit $12000, Chase Freedom $25000, Home Depot $5000.
Message 5 of 17
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Established Contributor

Re: Authorized Users

Not all issuers report AUs to the CRAs. Check and see if Chase and Wells Fargo do.

Over $200,000 in credit across 12 cards.

FICO ranges from 791 -824 as of 07/26/2019
Message 6 of 17
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Valued Contributor

Re: Authorized Users

Well a few users just verified that. Also, those are 2 of the main banking institutions in the US so I'm pretty sure they do.
Message 7 of 17
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Established Contributor

Re: Authorized Users

Make that 3. Smiley LOL I can't speak for WF, but my CFU showed up on hubby's report the same day it showed up on mine. And they didn't ask for anything but his name.

 

Are you in the same household? I have read that they won't show up unless it is the same address and/or the same last name.



Giving up on the images for now

Stepped out of the garden 10/9/16

Message 8 of 17
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Valued Contributor

Re: Authorized Users

We'be lived together for awhile but we're moving so maybe it'll take longer now
Message 9 of 17
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Established Contributor

Re: Authorized Users

As long as it is same address to same address I don't think that will matter. As long as they don't require same last name too. I can't remember exactly what I have read about that.



Giving up on the images for now

Stepped out of the garden 10/9/16

Message 10 of 17
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