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Authorized user on 6 credit cards?????

Valued Contributor

Re: Authorized user on 6 credit cards?????

I would dispute those cards as “not mine” to get them remove from your profile.

If you’re more responsible than her, you’re scores will eventually go up.



FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 11 of 16
Senior Contributor

Re: Authorized user on 6 credit cards?????


@BrutalBodyShots wrote:

I mean, is there any rule to dropping AUs then putting them back on?  Perhaps take yourself off of them and see how your credit score reacts.  Maybe just leave that oldest one in place first.  If your scores stay the same or even increase, you know not being associated with those AU accounts is the way to go.  If her utilization was in check no doubt they'd be helping you, but being an AU on accounts with 70%+ utilization IMO isn't doing you any good, especially if your utilization on your personal accounts is in a good place.


The only real issue is banks like Amex do a HP to add an AU, so if he wanted to be re-added to an Amex card in the future, he would get a HP.




Message 12 of 16
Moderator

Re: Authorized user on 6 credit cards?????


@Brian_Earl_Spilner wrote:

@BrutalBodyShots wrote:

I mean, is there any rule to dropping AUs then putting them back on?  Perhaps take yourself off of them and see how your credit score reacts.  Maybe just leave that oldest one in place first.  If your scores stay the same or even increase, you know not being associated with those AU accounts is the way to go.  If her utilization was in check no doubt they'd be helping you, but being an AU on accounts with 70%+ utilization IMO isn't doing you any good, especially if your utilization on your personal accounts is in a good place.


The only real issue is banks like Amex do a HP to add an AU, so if he wanted to be re-added to an Amex card in the future, he would get a HP.


While there have been a couple of recent reports of this, I tend to think it's a fluke and is not the new 'normal'.

 

I added an AU to my own Amex PRG and there was no HP for anybody.

Message 13 of 16
Valued Contributor

Re: Authorized user on 6 credit cards?????


@UncleB wrote:

@Brian_Earl_Spilner wrote:

@BrutalBodyShots wrote:

I mean, is there any rule to dropping AUs then putting them back on?  Perhaps take yourself off of them and see how your credit score reacts.  Maybe just leave that oldest one in place first.  If your scores stay the same or even increase, you know not being associated with those AU accounts is the way to go.  If her utilization was in check no doubt they'd be helping you, but being an AU on accounts with 70%+ utilization IMO isn't doing you any good, especially if your utilization on your personal accounts is in a good place.


The only real issue is banks like Amex do a HP to add an AU, so if he wanted to be re-added to an Amex card in the future, he would get a HP.


While there have been a couple of recent reports of this, I tend to think it's a fluke and is not the new 'normal'.

 

I added an AU to my own Amex PRG and there was no HP for anybody.


Totally agree!




FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 14 of 16
Senior Contributor

Re: Authorized user on 6 credit cards?????


@UncleB wrote:

@Brian_Earl_Spilner wrote:

@BrutalBodyShots wrote:

I mean, is there any rule to dropping AUs then putting them back on?  Perhaps take yourself off of them and see how your credit score reacts.  Maybe just leave that oldest one in place first.  If your scores stay the same or even increase, you know not being associated with those AU accounts is the way to go.  If her utilization was in check no doubt they'd be helping you, but being an AU on accounts with 70%+ utilization IMO isn't doing you any good, especially if your utilization on your personal accounts is in a good place.


The only real issue is banks like Amex do a HP to add an AU, so if he wanted to be re-added to an Amex card in the future, he would get a HP.


While there have been a couple of recent reports of this, I tend to think it's a fluke and is not the new 'normal'.

 

I added an AU to my own Amex PRG and there was no HP for anybody.


Interesting. I was under the impression that Amex, Citi, BofA, and WF all did hard pulls.




Message 15 of 16
Moderator

Re: Authorized user on 6 credit cards?????


@Brian_Earl_Spilner wrote:

@UncleB wrote:

@Brian_Earl_Spilner wrote:

@BrutalBodyShots wrote:

I mean, is there any rule to dropping AUs then putting them back on?  Perhaps take yourself off of them and see how your credit score reacts.  Maybe just leave that oldest one in place first.  If your scores stay the same or even increase, you know not being associated with those AU accounts is the way to go.  If her utilization was in check no doubt they'd be helping you, but being an AU on accounts with 70%+ utilization IMO isn't doing you any good, especially if your utilization on your personal accounts is in a good place.


The only real issue is banks like Amex do a HP to add an AU, so if he wanted to be re-added to an Amex card in the future, he would get a HP.


While there have been a couple of recent reports of this, I tend to think it's a fluke and is not the new 'normal'.

 

I added an AU to my own Amex PRG and there was no HP for anybody.


Interesting. I was under the impression that Amex, Citi, BofA, and WF all did hard pulls.


To add an AU there's almost never a HP; that's why it gets so much attention when someone reports that it has happened, and why those instances are believed by many (including myself) to be a fluke or glitch. 

 

This is also assuming the party reporting the HP isn't mistaken to begin with.

Message 16 of 16