• Go to page :
  • 1 23
  • Text Only
Voting History
rated:
We have discussed in several threads the impact that adding someone as an "Authorized User" on your credit card can have.

There can be some ADVANTAGES in certain situations: for example, if you have relatively little credit history, your parents can give you an "authorized user" card and it may be reported on YOUR credit report as a long-history, high-credit limit card (which can be very good for building your credit report!)

There can also be DISADVANTAGES, such as if your parents carry a high balance and you have an authorized user card, their balance may be reported on YOUR credit report (which is generally Not good for your credit!). And of course, if you give someone an authoized user card, YOU are responsible for their charges.

Bankrate article on the benefits and risks of adding authorized users.

While you may discuss other advantages/disadvantages of adding authorized users, the PURPOSE OF THIS THREAD is primarily to list which credit card issuers report "Authorized User" cards, and what information the issuer reporrs to the bureaus...

Citibank Does.

I am an authorized user on one of their American Airlines affinity cards, and it appears on my report much the same as my other credit cards do (high balance, credit line, payment history, etc...).

- RightD

CHASE has reported the FreedomCard/Perfectcard on credit reports of authorized users, and Experian shows the credit card's opening date and credit limit on the authorized users's report.

Cap1 does... FirstUSA does... I _think_ sears does (did) too...

AMEX reports authorized users on our regular Blue and Gold cards. Equifax shows all related information of the accounts.

Discover reports additional card holders to the credit bureaus' with complete credit history of the card, and back dates the account length for you to the orignal date that the spouse/family member opened it. There is also no hard inquiry reported(at least in my experience).

hmm just a thought. When you get married, if you both have credit cards with a lengthy history(ie five years) would it be wise to add each other as an additional user, zero the balance on those cards and then just use them for emergencies? Chances are there's better deals to be had with today's credit card offers, and you could each then find an additional card or two to apply for.

Benefits: extended history/average history of credit, higher overall credit balance, usually no hard inquiries required for adding additional user.

Credit unions will often do this, and in my experience, they might be somewhat more careful about this than major card issuers.

Discover told my business partner a couple of times that they WOULD NOT report his son as an AU if he added them, so he didn't bother. Who knows of those folks knew what they were talking about, or whether there are different situations...

AMEX Costco rebate card. Shows complete information (open date, balance, etc) on my wife's report.

My wifes BP/Citi card swears they added me as AU on her 10+ years card but it is now showing up on any of my reports. Gotta talk to their super to clear this up.

My husband has a Citicard with a 15K CL maxed for a 0% interest deal. The CS rep added me so that "I could talk to them about the card" without having to get hubby on the phone first. I didn't realize that made me an authorized user but called Citi to get me off when I saw it on my CR. Now I can't get iy off my credit report, even though I have sent in the changes to Equifax. Guess I should call Citicard again.

Another one is US Bank Worldperks Visa. I am an authorized user and need this card at the moment. It shows up on both our CR.

ajf3 said:

<< Cap1 does... >>

Coincidentally, I just had a converstion with a CapOne CSR earlier this week who was trying to convince me to add an authorized user. He told me that the authorized user does NOT have it appear on their CR. He said this is a recent change due to Homeland Security legislation (an explanation I cannot make sense of, try as I mihgt). I have no way of verifying or disproving this, jsut relaying what he said. BTW he gave me the same line as tabalard got from Citi, so my wife "could call and talk to us about it in case something happened to me." Seemed suspicious to me, if it was merely for my convenience, why was he spending time (money) bringing it up out of the blue, & truly pressing me to add her? It seemed suspicious (and I had zilch reason to do it anyway), so I declined.

Regarding the original question, our CRs show that Fleet, GM Card (Household), MBNA, Chase, Citi, Traveller's, and AMEX (Blue & Optima) all show up on authorized user's CR. Some of these are closed accounts, but persist in appearing on the autherized persons CR. I can't think of any cases of one of our cards that doesn't (on that note, I think the more relevant quesiton for the thread might be, what cards do NOT show up on your CR if you are an authrized user ...).

On a related question, if you are only an authorized user, and the accountholder closes the account, does it make sense that it still appears on your CR, as closed? What is the reasoning for it being there? Should it be there? You theoretically had no say in being added to the account, nor in it being closed, and if it is closed you can no longer have any liability. So should it be there? There would be an advantage to having it removed from your report, no? Has anyone ever successfully contested based upon this situation?

MarkM,

Are you sure about MBNA cards showing on an authorized user's CR? I have an MBNA card with several authorized users and the card does not show up on their CR's. I thought that I had read in another forum (not FW) that also stated that MBNA does not appear on authorized user's CR. Does anyone else have any experience with MBNA?

I also had a similar experience as you with removal of an authorized user from a Citibank card. I removed my wife my Citibank card when it had a $6,900 balance because I hoped that it would raise her FICO score. Now it is 6 months later and Citibank no longer reports her on this card to the CRAs. However, the $6,900 balance still shows up on the CR even though it was paid off long ago and shows correctly as zero on my CR. I decided to add her back on so that the balance will now correctly show as zero. I guess the moral of the story is not to remove an authorized user when there is a large balance on the account as this large balance will remain in perpetuity.

here's the deal with CHASE.. I was first to report freedom/perfect card authorized users being reported..
i called CHASE several times and most of the time got conflicting answers.. Initially I was told that it would be reported. then I was told not.. then again yes.. and last night the CSR told me it would not be.. then I asked to speak to supervisor.. she told me that in "some cases" it is reported.. i asked her what is the criteria for "some cases" , she was clueless.. she told me to call credit department..
but I think if it DOES appear on my CR then I shuold be able to contest it since it was not MY account. I did NOT apply for it.. i can argue that my wife asked for the additional card without my permission ..

AMEX does it for the starwood also...reports to experian.

Don't know if it backdates because I was authorized as the same time as my mother got the card =)

MarkM,

Are you sure about MBNA cards showing on an authorized user's CR? I have an MBNA card with several authorized users and the card does not show up on their CR's. I thought that I had read in another forum (not FW) that also stated that MBNA does not appear on authorized user's CR. Does anyone else have any experience with MBNA?

I also had a similar experience as you with removal of an authorized user from a Citibank card. I removed my wife my Citibank card when it had a $6,900 balance because I hoped that it would raise her FICO score. Now it is 6 months later and Citibank no longer reports her on this card to the CRAs. However, the $6,900 balance still shows up on the CR even though it was paid off long ago and shows correctly as zero on my CR. I decided to add her back on so that the balance will now correctly show as zero. I guess the moral of the story is not to remove an authorized user when there is a large balance on the account as this large balance will remain in perpetuity.


This would've worked, but you forgot the 2nd step... once you told citi to remove her & they processed it, you should've disputed the tradelines on her CR as "not mine". When they went to verify with citi, citi would've told them that she was no longer associated with the account & they would've been removed.

I did the exact same thing with our reports a while back & it worked like a top. If it's a joint account though, you can't split it... lesson learned - always apply as single account with auth's to allow for more flexibility in reporting in the future.

Similarly - during this house refi, the mortgage is in my name alone (with my wife still on the title) instead of a joint application. This way, it only shows on my CR, so if we decided to buy a vacation home, she could do the app on her credit & the main mortgage payment amount wouldn't be taken into account for DTI ratios, etc...

Discover and Fleet report authorized users. I recently pulled a 3 in 1 on one of my kids and Discover reported to all 3. When I called to have her put on there they said that it wouldn't show up but it shows up on both of my kids. It helped my oldest when she refianced her car to get a much lower rate.

Hmm, I've request an extra card on my MBNA account under one of my fake names, never asked for a social, I wonder if there is a credit report for it somewhere??

I know ppl that have credit cards for their pets as well..

I thought they all did?!?! In any case AMEX platinum gave gold to AU which was reported. First union VISA reported, SEARS store card reported, Burdines store card reported.

I'm in a market for a refi and one of my negatives is the length of credit history (97). Wish I had a friend willing to give me AU on their old unused $500 card to boost the length of my credit history.

Just a note FYI AU cards are usually deleted from AU's report once they are closed, unlike the original cards which stay on the report marked as closed.

From experience, sometimes there is a glitch and the card, even though closed as well as the original primary user's card, stays on the report and even keeps getting updated for some reason. Better overall utilization ratio <img src="i/expressions/face-icon-small-smile.gif"border=0>

Edit: spelling

How do the credit card issuers know what the ssn of the "authorized user"?

I added my fiancee as an "authorized user" for my Bank One card, and they only ask for her name (and they misspelled her last name on the card)

hs said:

<< How do the credit card issuers know what the ssn of the "authorized user"?

I added my fiancee as an "authorized user" for my Bank One card, and they only ask for her name (and they misspelled her last name on the card)
>>


they dont know, they dont need all the info like SSN, birthdate, etc.. if they have a name only, the credit bureaus will try to match it to an existing report or create a credit profile....

I called Citibank to get me off as an AU. They said they'll send a letter that I can send to the credit bureau as proof that I am not an authorized user anymore. I hate dealing with the credit reporting agencies. I feel my blood pressure rising just thinking about it.

Yes, some CC company doesn't even ask for ssn for authorized user.

Ok, here's some my questions. I used to add my wife to my cards. Now I see the disadvantage as I've put large debt on one of my higher line CC. This definitely shows on my wife's report as she got denied for CC for reason of too much balance, while she had none balance on any of her cards. My question would be is that useful for me to remove her from the card I carry large debt?

Any thought? Or it's just too late for me to do anything. BTW I intend to pay only minimun payment on that card since it offers 1.9% life time APR. There's no reason I should pay it off. <img src="i/expressions/face-icon-small-smile.gif"border=0>

XxXxX - I'm in a similar situation, my Chase card is maxed out at 0% APR, and it caused the authorized user on it to be denied for an AT&T Universal card. They said to be approved they wanted to see a utilization ratio between 40 to 60%. I had him removed as an authorized user, and he's disputing the account with Equifax to get it off his credit report sooner so he can ask for reconsideration with AT&T Universal. The rejection letter said it had to be done in 30 days, but I've asked them for reconsideration before, and I think they keep the rejected applications in their system for 60 days.

5/3 bank credit cards [not jeanie cards] allow athorized users and will show the account on each users credit report

GM card (household bank) has this problem

An authorized user can NOT be reported if the credit card company does not have that authorized user's social security number.

Milliedog said:

<< An authorized user can NOT be reported if the credit card company does not have that authorized user's social security number. >>



It happens all the time! Please state your source for this info.

Milliedog said:

<< An authorized user can NOT be reported if the credit card company does not have that authorized user's social security number. >>

I very emphatically second that I have extensive experience that this is not true.

Continuing trouble with Citibank. They still haven't taken me off as an AU for my husband's account. I've called twice and they've promised to send a letter stating they have taken my name off. They want me to send th letter to the credit bureau to get the 14K line off of my report. However, the inept Citibank CS keeps sending letters to my husband saying that his name has been taken off of his card.

aaaargh!

I can also confirm that Fleet reports authorized users with the credit line and any outstanding balance. This has greatly helped lower my utlized credit ratio since I've been on my parents Fleet account as an authorized user since I was 16.

I called MBNA this morning. The fellow I spoke with indicated they report AU's to CRA's, and although the information is on the AU's CR it is not considered, positive or negative, when viewed by a credit analyst. I wonder if this means it does not affect FICO? He said the AU account was flagged/indicated as only an AU account on the CRA. Has anyone seen this on their CR?

Kitters, I had my dh remove me as an authorized user from one of his cards with a high balance. I then disputed with Experian, but it came back "verified" in only a couple of days. It's off Transunion and Equifax, though.

MarkM wrote,

<< I very emphatically second that I have extensive experience that this is not true. >>

I third that.

Milliedog, As SIS asked, what's your source here?

I have recently heard from a reliable source (though unconfirmed) that AU's will no longer be reported and must be a joint account holder now to have reporting. This seems to jive with MarkM's unconfirmed report of the same (in his case due to Homeland Security legislation though my source didn't mention what the cause was). Can anyone confirm or deny this?

Also are there any disadvantages for the original cardholder by adding someone as a joint account card holder? I understand that there are disadvantages for the joint holder and the joint holder is now responsible for payments on the card, but if the joint holder didn't use the card are there any possible problems for the original card holder?

GrayStuff said:

<< and although the information is on the AU's CR it is not considered, positive or negative, when viewed by a credit analyst. I wonder if this means it does not affect FICO? >>



I can verify that AU accounts DO affect your credit score. I added my husband as an AU to 2 of my cards (he has no CC accounts of his own). I've since maxed one of the cards temporarily. When I pulled my husband's credit report via the free "Your Credit Counts" link, his score IS impacted by the AU accounts. When I look at the details for his score, Equifax's score power says that his ratio of debt to available credit is too high. Since the only revolving accounts on his credit history are the AU accounts, it's obvious that they are affecting him.

I'm in the process of having him removed from one of the cards. I removed him as an AU in Sept., however, it still shows on his report (though it hasn't been updated since Sept., whereas my account shows an update in Nov). We're currently disputing the account, and hopefully it will be removed.

Bankrate article on the benefits and risks of adding authorized users.

Questions:

If I was added as an authorized user on an AMEX card, would there be a hard inquiry on my CR?

Can anyone confirm that an authorized user of AMEX card get a different CC number?

Thanks a lot!!!

AMEX is a little different. The card and number will be the same, only the name will be different. Assuming your AU has not f@cked AMEX before, there will not be a problem. Be advised however, that before AMEX adds an AU, THEY WILL CHECK FOR PREVIOUS ACCOUNT DELINQUENCIES of the AU and if the AU did, AMEX will not allow them to be an AU. The other issuers don't cross check, but AMEX does.

I guess by now we can confirm that all or almost all credit card companies will report authorized user. I've recently removed my wife from my ATT card where our main balance's parked. When I got her experian report a few days ago, my ATT account wasn't there anymore. So, it can be done by parking balance alternatively on different person if you are married. Or even better, just apply for biz cards I guess. <img src="i/expressions/face-icon-small-smile.gif"border=0>

Skipping 48 Messages...
vdadlani219 said: [Q]Well, it took about a year for MBNA to finally show up on my AU's CR...while Bank One took all of 1 month. My gf's scored jumped over 120 points when these 2 CLs showed up. wow. not the greatest move in terms of your financial protection, but a significant boost to her!



Disclaimer: By providing links to other sites, FatWallet.com does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to FatWallet.com.

Thanks for visiting FatWallet.com. Join for free to remove this ad.

TRUSTe online privacy certification

While FatWallet makes every effort to post correct information, offers are subject to change without notice.
Some exclusions may apply based upon merchant policies.
© 1999-2014