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.