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Converting Dillards AU to joint account holder

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Super Contributor

Converting Dillards AU to joint account holder

I’m an authorized user on a Dillards account and I would like to become a joint account holder; however, I’ve had no luck so far with customer service. Any advice or experience from anyone?
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


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(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
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Legendary Contributor

Re: Converting Dillards AU to joint account holder

That is a legal issue that requires your addition to the account as a joint account holder, which then makes you responsible for debt incurred on the account.

That will require acceptance by the creditor of an account mod or establishment of a new joint account.

You cant just convert legal responsibility without a contract agreement.

Message 2 of 3
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Super Contributor

Re: Converting Dillards AU to joint account holder

Thank you for the reply. Yes I am well aware of that...that’s not my issue. I’ve actually done a couple of these. My issue is the Dillards representatives don’t seem to want to make a contract mod and the old posts are not favorable, so I was looking for some new data points. ...Anyone?
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 3 of 3
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