Authorized user question

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Hi im Bob
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Authorized user question

Postby Hi im Bob » Sat Feb 01, 2014 1:07 pm

I am adding my sister as an authorized user to get her started and able to get some cards on her own. She is a senior in college and about to graduate shortly.

Does the card they send her have to be used for it to show up on her report, or can i just have her use it every so often, and it still report monthly?

I have tried to Google this, but most of the stuff I find on authorized users seems kind of vague.
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samhradh
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Postby samhradh » Sat Feb 01, 2014 1:59 pm

She does not have to use it.
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Hi im Bob
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Postby Hi im Bob » Sat Feb 01, 2014 2:12 pm

Thanks, that is how I hoped it worked.

One more question that I couldn't find the answer to. Once she gets a card or two of her own and I remove her from my account, does it stay on her report for 10 years like all other accounts?
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thom02099
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Postby thom02099 » Sat Feb 01, 2014 2:24 pm

Hi im Bob wrote:I am adding my sister as an authorized user to get her started and able to get some cards on her own. She is a senior in college and about to graduate shortly.

Does the card they send her have to be used for it to show up on her report, or can i just have her use it every so often, and it still report monthly?

I have tried to Google this, but most of the stuff I find on authorized users seems kind of vague.


You don't actually have to give her a card, for her to show as an AU. Many people do that, add an AU, but don't actually give the AU a card. That's your prerogative.

Whatever balance you, as the primary cardholder, carries on a card, that will also appear as the balance for the AU, regardless of whether the AU has ever used the card or not. So, you have a credit card with a $5000 limit and you are currently showing a $500 balance on that card. You have made the charges, you are carrying the balance. If SHE pulls her credit report, those same figures will show up on her credit report. This happened with my daughter, who was an AU on one of my accounts, and the exact same thing happened. We pulled her credit report and in looking at the data details, showed exactly that -- a balance on the ACCOUNT, not a specific charge by a specific person. One can get those details, but since they are simply an authorized user ON THE ACCOUNT, any data on the account, whether positive or negative, is shared.
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benhollberg
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Postby benhollberg » Sun Feb 02, 2014 11:20 am

I also have a question about authorized users on American Express. Does adding an authorized user initiate a hard credit pull? Also I asked about adding my sister to my Costco American Express and they didn't ask for her Social Security number. Is that normal do they always ask for Social Security number?
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MemberSince99
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Postby MemberSince99 » Sun Feb 02, 2014 11:51 am

When I got an AU that user didn't get a hard pull nor did I. They did ask for my AU's Social and that's what they use to report the card on that user's credit report so you might want to give them that if the AU cares about having the account reported.



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