Authorized user Hard inquiry

gemntheholigram · ‎08-31-2011

If i add a person as an Authorized User will the creditor do an inquiry on them?

Anonymous · ‎08-31-2011

I was wondering this myself. And if the AU's credit is not as good as mine, will that reflect poorly on my scores or how the creditor treats my account in terms of CLI, etc.?

gemntheholigram · ‎08-31-2011

From what i've read the AU's credit wont be added to you- only visa versa

Anonymous · ‎08-31-2011

I have not heard yet that adding an AU requires a hard inquiry.

MarineVietVet · ‎08-31-2011

IME there is no hard pull to add an AU. And the credit history of the person who is the AU has no effect on the primary card holder's credit.

Does that make sense? It doesn't look right when I read it.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Anonymous · ‎08-31-2011

It looks right to me.

No hard pull for AU.

AU's credit history does not impact primary person.

Anonymous · ‎08-31-2011

Mine did a soft pull and does report on my credit reports.