Question about being an authorized user

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7055
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Question about being an authorized user

Postby 7055 » Thu Oct 16, 2014 12:48 pm

I just got two credit cards in the mail with my name on them. One of them a Macy's and the other a Kohls. I think my mom made me an authorized user on her account and then sent me these cards. I didn't actually want to be an authorized user on anybody elses account even though my mom probably just thought she was doing a favor. So I called the credit card company and they told me they can't do anything about it without my mom's permission.

Unfortunately my mom also has emotional issues and I don't feel like contacting her and asking her to take me off as an authorized user because she'll take it personally and get all emotional. I know, it's sad but that's just the way she is, which is why I intentionally avoid being involved with her in any accounts or credit cards. I wondered if anyone had any advice on what I can do in this situation?


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Vattené
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Postby Vattené » Thu Oct 16, 2014 1:54 pm

That is a tough situation. The bottom line is you really have just two options: remain an authorized user on the account or get taken off of it.

In my opinion it would be worth calling in a few more times and seeing if you can remove yourself. The customer service for store cards doesn't exactly have a glowing reputation, so it is possible you just got someone that doesn't know what they are doing. This might not get you anywhere, but I think it is worth a couple of calls.

It doesn't make sense, but the issuer has told you your consent doesn't matter in being an AU so you might have to get your Mom to remove you if you feel that is best. You will have to guess what the risk is of staying on as an AU and weigh that against the importance of sparing your mother's feelings. Do you have any idea how responsibly she will manage these cards? If you are reasonably confident she will always pay them you really don't have much worry about. If, however, you are not sure or have reason to think she won't manage them responsibly then you may determine it is in your best interest to have yourself removed even if it means having a difficult conversation with her.

If it comes to this I don't know what to say other than prepare yourself and approach it as tactfully as you can. Make sure she did add you as an AU. Thank her for the consideration if she was just trying to help your credit out, but explain since you have no use for them you would rather not have these cards reported on you. I would approach it as simply and straightforward as you can, not going in defensively or saying "don't take this the wrong way" - if she is very sensitive it may trigger her to wonder why she should in the first place.

Good luck! I will also refer you to a previous blog post about authorized users, just in case you would like some basic information on the subject.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

7055
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Postby 7055 » Thu Oct 16, 2014 3:56 pm

Thank you for your response, it turns out you can remove yourself as an authorized user if you know the phone number associated with the account.

Do you know if the primary user gets and alert if the authorized user has been removed?

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Vattené
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Postby Vattené » Thu Oct 16, 2014 4:21 pm

I don't know. It would depend on the company, but I would not be surprised at all if they send out some kind of notice for security purposes.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

Brad Bishop
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Postby Brad Bishop » Thu Oct 16, 2014 5:22 pm

You should be able to remove yourself with no consequence which is what it sounds like you did.

Someone can't just make you an authorized user and then stick you with their credit problems without consent (thinking worst case scenario here).

Regarding your mom, if the subject comes up then I'd tell her, "I appreciate the help but I'd like to keep our finances separate," if she looks hurt or something then just add, "I can do this.."

7055
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Postby 7055 » Thu Oct 16, 2014 5:36 pm

Brad Bishop wrote:
Someone can't just make you an authorized user and then stick you with their credit problems without consent (thinking worst case scenario here).


Unfortunately it appears that they can, as long as they have your SSN, and unless you know certain personal information of theirs, it appears there's nothing one can do about it if the primary user doesn't comply to the AU's wishes.

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Postby Vattené » Fri Oct 17, 2014 11:37 am

Brad Bishop wrote:Someone can't just make you an authorized user and then stick you with their credit problems without consent (thinking worst case scenario here).

It's not so much that they can stick you with their credit problems; as an authorized user, one has no payment obligations. They can hurt the AU's credit profile if they mismanage the account, though, as it is also reported on the AU.

I have never been in the situation of removing an AU or getting myself removed as an AU on someone else's account, but I would think the AU should be allowed to remove themselves without regard to the account holder (not "should" as in "I am pretty sure there is a law about it to make this the case in practice," but "should" as in "they would be able to in a just and rational world"). As far as an AU being initially set up, consent has never been required or even requested in my experience. I have added my wife as an AU on several accounts, and all I have ever done was put in the information myself and it was a done deal.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

7055
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Posts: 23
Joined: Sun Feb 09, 2014 6:49 pm
Location: north dakota

Postby 7055 » Fri Oct 17, 2014 11:39 am

Vattené wrote:. I have added my wife as an AU on several accounts, and all I have ever done was put in the information myself and it was a done deal.


It should not be this way, there should be laws against it... Or at least laws that allow the AU to remove himself without knowning the PU's personal info

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Vattené
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Postby Vattené » Fri Oct 17, 2014 11:51 am

I totally agree. I think they should be required to consent to being an AU before they are even set up as one.

I was just relaying my real world experience. Of course, in my situation my wife knew about it - I just handled it myself following the protocols of the system as it is set up. (She has baddies on her credit that we're just waiting out until they fall off; being an AU is one of the limited ways to improve her credit in the mean time.)
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now



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