Need Information about credit applicaiton

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axpcost
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Need Information about credit applicaiton

Postby axpcost » Mon Aug 11, 2014 1:07 pm

I have recently applied for Master Card with a Bank through Online Application, on the application I have added my wife's name as additional card member. I have provided her Full Name that's all.

I was approved by they did a credit check that is fine. I have yet to receive the cards but they are now inquiring my wife's credit history, we have not provided them with her SSN. I was wondering how did they get my wife's SSN?. Is it common practice to check the additional member's credit history even without providing them SSN?.
Had I known that they will meddle with her credit history, she would have applied separately.


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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Aug 11, 2014 6:02 pm

If your wife has not had any dealings with this bank before, I'm not sure how they got her SSN to pull her credit and will leave that question for someone else.

It might help, though, if you clarified whether she was added as an authorized user or joint applicant.
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axpcost
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Postby axpcost » Mon Aug 11, 2014 6:18 pm

This will be the first time I am doing business with that Bank. My wife has not done any kind of business with them in the past.
I have included her as as authorized user on application and for Authorized users only information required is First Name and Last Name, I just filled the her First Name and Last Name on the application, that is the only information I gave them about my wife to include her as authorized user, that is why I am puzzled how they got her information to check her credit history and issue alerts.

This morning I called the bank to ask how they got the information. Representative told me that she don't have the answer and she told that she will transfer the call to her supervisor. I was kept on hold for about 15 minutes and then call got disconnected. I called them back, different representative and she told the same thing and kept me waiting for about 20 minutes and call got disconnected. First time I thought it was mistake but when they did it second time, I am guessing they disconnected the call intentionally.
I will keep calling them until I get the answer but I just want to know whether it is common to meddle with authorized applicant's credit history without even giving their SSN,DOB etc. and how did they get that information.
My wild guess is they might have hacked my computer while I was filling the application online. I know it sounds bizzare but that is the only way they could have got the information without me legally giving them.

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PlyrStar93
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Postby PlyrStar93 » Mon Aug 11, 2014 7:06 pm

SSN is not required to perform credit checks.
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Postby thom02099 » Tue Aug 12, 2014 10:38 am

axpcost wrote:I have recently applied for Master Card with a Bank through Online Application, on the application I have added my wife's name as additional card member. I have provided her Full Name that's all.

I was approved by they did a credit check that is fine. I have yet to receive the cards but they are now inquiring my wife's credit history, we have not provided them with her SSN. I was wondering how did they get my wife's SSN?. Is it common practice to check the additional member's credit history even without providing them SSN?.
Had I known that they will meddle with her credit history, she would have applied separately.


You'll probably get more responses if you tell us which bank/card you applied for. I know that, when I added my 2 kids to my CITI Diamond Preferred MC card, it was their names only, no other info, and there was no credit check pulled on either of them. Same thing when I added them to Discover account. Only one that required a DOB/SSN was AMEX, as an Additional Card Member.
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axpcost
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Postby axpcost » Tue Aug 12, 2014 11:19 am

Thank you all for the information.

I learn some thing new everyday. I didn't know that 'SSN is not required to perform credit checks.' Probably they made inquiry with the Name but still they should have asked us before they do that . I am the primary applicant and I have no problem when they inquired on my credit history

I applied for Barclay's Arrival plus World Elite Master Card. They did approve the cards.

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CarefulBuilder14
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Postby CarefulBuilder14 » Tue Aug 12, 2014 11:58 am

PlyrStar93 wrote:SSN is not required to perform credit checks.


So an issuer just needs a name, address, and written or 'electronically signed' permission?
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PlyrStar93
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Postby PlyrStar93 » Tue Aug 12, 2014 12:12 pm

CarefulBuilder14 wrote:So an issuer just needs a name, address, and written or 'electronically signed' permission?

That's it, most likely they need SSN when applying online is for checking identity--not so sure, but with wrong SSN or no SSN at all they definitely are able to pull credit. Basically name and address is enough identity information in order to pull.

I know this is different from some people's common sense but some of my friends (int'l student) do not have SSN and applied for 2nd credit card successfully, and did went through a hard credit check. For myself AT&T hard pulled TransUnion without my SSN.

OP: this is the first time ever I heard a lender pulling an authorized user's credit. From what I see the primary cardholder should be responsible for all charges incurred by AU's and banks are literally not extending credit to AU.
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Postby djrez4 » Tue Aug 12, 2014 12:12 pm

axpcost wrote:but still they should have asked us before they do that


Ask for permission to pull credit before issuing a card? They did, and you gave it.

Additional cardmember may not be the same thing as authorized user.
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axpcost
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Postby axpcost » Tue Aug 12, 2014 6:30 pm

'Ask for permission to pull credit before issuing a card? They did, and you gave it.'

This is not the first time I added my wife as additional card user. My wife added me as additional card user for her cards. None of the banks in the past has checked the credit of the additional cards. This is the first time it happened with Barclay's bank, That is is why I was asking for information.
Since I applied for the card, I excepted that they will thoroughly check my credit history because it is my responsibility to pay the bill.
If they want to check credit of the additional card users that is fine but they should ask the information like SSN, DOB upfront instead of doing a sneak searching using Name and Address.
I just read their terms and conditions, nowhere it is mentioned that they will do inquiry of the additional card members.



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