So Citi closed accounts are starting to show up on my report. Happy to say that so far I haven't seen my scores drop, even though I have a ton of "account closed by creditors" on my report. I really think the "closed my creditor" negative is really a myth. If a card gets closed due to inactivity it will still show as "closed by creditor" on both TU and EQ regardless.

The real test will be when my 15 year old card shows as closed. I'll definitely report what happens with that one so guys here can get some additional data points.

ahself said:I'm thinking of doing an AOR for my wife. Can you provide any pointers/tips based on your experience? I'm particularly interested in how you're able to manage her AOR when she owns the accounts and you're not an AU. For example, does she have to talk to CSRs every time or are you able to talk to them on her behalf?

Based on my AOR experience, I know most of the process is automated, but I also know that there will be several phone conversations from/to CSRs about various things on the accounts (e.g. credit limits, consolidations, reallocations, "do you want to add an AU?", etc.).

TIA

First off I would make sure she is well aware of everything that goes on with an AOR, the advantages and DEFINITELY the disadvantages. She should know what adverse action is and prepare to deal with it if it happens.

A lot of stuff is automated true, however to fully benefit from an AOR you typically have to do reallocations and that requires phone calls by the wife. Then if you get dealt with some adverse action like we did, that requires more phone calls.

I guess you can ask her to talk to them on her behalf... but she would still have to initiate the call. You don't want to add yourself as an AU to her cards because then those cards can show up on your credit report and that would negate any effectiveness an AOR would have.

DjPiLL said:First off I would make sure she is well aware of everything that goes on with an AOR, the advantages and DEFINITELY the disadvantages. She should know what adverse action is and prepare to deal with it if it happens.

A lot of stuff is automated true, however to fully benefit from an AOR you typically have to do reallocations and that requires phone calls by the wife. Then if you get dealt with some adverse action like we did, that requires more phone calls.

I guess you can ask her to talk to them on her behalf... but she would still have to initiate the call. You don't want to add yourself as an AU to her cards because then those cards can show up on your credit report and that would negate any effectiveness an AOR would have.

Thanks for the quick response. I'm fully aware of the pros and cons of an AOR and would make her aware as well. She has a fair idea, particularly on the pros based on what I've shared of my AOR experience.

Since my question to you, I dug a little deeper in some other threads, particularly Thisguy's 2-part AOR, and found some discussion on this. It seems having her authorize me to speak to CSRs on her behalf would (should) be acceptable.