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  1. I've been scouring the web for three hours trying to find an answer to this question, but my Google-Freedom Unlimited must be particularly weak tonight because I haven't even been able to find anywhere the question was asked, much less answered. Since I managed to wander through life without any credit until my late 20s, and then proceeded to screw it up royally, only finally getting to a decent report now that I'm in my mid-40s I've vowed to do everything I can to set my daughter on the right path. Obviously, education has been the primary component of that assistance, but I also added h
  2. Hi guys, do you know of any credit card issued in the US that will allow me to add an AU living overseas (Philippines) without requiring SSN (AU does not have SSN). My mom is retired and I would like her to have a credit card that she can access and use in case of an emergency. I would like to add a limit to the extension too. Your help and knowledge will be greatly appreciated. Thank you!!
  3. Three quick questions: 1) After closing on a foreclosed home last year, went on a mini app-spree to finance repairs/improvements. Opened 5 new cards. With the next reporting, each of those accounts will now be open over 1 year. Is there any appreciable change in AAOA, or in credit score, when such milestones are reached or does it accrue slowly all along? In other words, when it hits the 1 year mark, is it going from 0 years to 1 year, or from 11 months to 12 months? 2) How does being an AU impact AAOA, or does it at all? If someone adds me as an AU on a card they just received, does
  4. Today, NFCU just started reporting my NavCheck LOC (opened 2011) on my DW's Equifax and TransUnion reports (no sign yet on Experian) in addition to her own NavCheck LOC (also opened 2011). Each NavCheck is a personal LOC, although she is added on my checking account (back in 2010), and thus she does have AU like access to my LOC, and it has always shown in her online access, but I've never seen it report before, until today. On TransUnion it is annotated as an AU account, don't know about Equifax annotations since I've only got it on a CCT like report that omits those details, but I expect it
  5. My wife and I do not have the best credit that we should. We're getting ready to get a couple of secured credit cards and need to know how many Authorized Users are allowed by which cards. We have 5 teenagers at home and not only want to boost our scores, but build their credit as we kill two birds with one stone.
  6. I was recently added as an AU to a relative's 25k Chase Sapphire Preferred. How (if at all) will that affect my scores? I understand that since I'm an AU, I'm not responsible for the debt, so it only has a limited impact but will it contribute to things like AAOA and Util? Any definitive info would be helpful.
  7. First I want to say I am new here, and have been lurking for a while and have received invaluable information towards my efforts to repair my credit which has helped me get my score from a 580 to about 620 in a short time. Thanks every one for all the great information. My last actual FICO score was 585 from 03/02/2014 from TU. But my FAKOs the other day from EIDT aka MPM credit monitoring were TU 620 EX 587 EQ 609 which uses the TransRisk New Account Credit Score. I had my girlfriend add me to her Amex awhile back as an authorized user and while I didn't get any B* because they don't do
  8. I'm in the midst of rebuilding my credit after getting my defaulted student loans discharged and cleaning up my credit report, and I've got a quick question about authorized users, bankruptcy, and card utilization for some of the more expert folks here on CB. In 2012/2013 I was an authorized user on a relative's (not spouse) Capital One card which had a $500 CL. She declared bankruptcy in early 2013 and of course the Capital One card was closed and discharged in that bankruptcy. Even so, the card is still showing up on my credit report, although as a Satisfactory account which is sho
  9. I have a big box home improvement card with my soon to be ex-hubby as an authorized user. He used the card for his business and never repaid/made payments. For the last 4 months of 2013 I paid the whole card off in full. In January I discovered he had charged to the max ($1500) again on the card in December and in January he charged the last $25 available on the card and took the card over the limit. Immediately after this, I removed him as an authorized user from the card. He was served with divorce papers about a week later.(of course divorce had more to do than just this) In February
  10. Quick question about being added as an Authorized User on my DW's Kay card: The account has been open for 2 years 4 months My AAOA is 3 years 6 months (six accounts) It has a 7k limit with a $200 balance (paid off next month) My current utilization is ~43%, adding as an AU would bring me to ~25% My questions is this: Would the slight drop in AAOA have more of an impact than the lower utilization? I am almost certain that lower age will be outweighed by the lower utilization, but I want to be certain before I do it. Thank you in advance!
  11. I'm going to visit my mom, sister & step father for two weeks and they've asked me to look at their credit reports. A HUGE step. My folks are super super paranoid about the internet, credit, "the man", banks etc. They still think if you check your credit it HURTS your score dramatically. My stepdad tried to order a credit report over the phone once and couldn't figure it out and was too paranoid to put his Social Security number in. So, for them to let me order their reports for them is a BIG DEAL. They have excellent credit (from what I gather). Never late and have pretty high
  12. I have an 17 year son and a 15 year daughter. I was thinking of adding them as AUs on one of my credit cards to start their credit files going. Neither of them would actually get the card. As soon as they each get a part time job, a checking account, savings account, debit card, and IRA are next. I am going to teach them how to make responsible financial decisions (something my parents didn't teach me when I was younger). Which one would you recommend adding them to: Capital One ($1250) Chase Freedom ($1500) Barclay Rewards ($3000) Lowes ($800) I PIF monthly
  13. I burned Citi, BofA and Amex almost 7 years ago. My spouse tried to add me as an AU to AMEX and it was a no go. (No shock but worth a try.) Can I be added as an AU to our BofA AMEX or will I be declined because of BofA and/or AMEX? Same question with citi. Do they blacklist AUs like AMEX or only primary account holders. I tried multiple searches for the answer to these questions but it is impossible to search for AU. TIA
  14. Back in 2006, I had excellent credit, and a $9500 USAA credit card. I added my SO to the card as an authorized user. Then 2009 hit and I found myself in financial ruin. I had let my payments slip, as I had no income for 4 months. I got everything settled and was making payments to USAA on a closed account. I was completely paying on a $0 credit line. Anways, come 2012. My tenants quit paying, live a long distance away, and I was underwater on my house by quite a bit. I could not get there to go to court, and had no options (that I knew of). Wasnt worth evicting them. I filed for Chap 7 in Aug
  15. My wife just recently received her SSN in June and applied a few cards, no CRA will give us a CR yet so I have no idea where her INQs lie (though I can certainly guess) and if the AUs are reporting properly. 1. Declined for Freedom - Chase could not find a CR for her 6/13 (recon no go as well, guessing a triple pull) 2. Approved for Capital One Newcomer Card - $1000 Limit 6/13 (guessing a triple pull) 3. AU on Capital One - $1200 Limit 6/12 4. AU on Capital One - $1500 Limit 10/12 5. AU on Freedom - $1500 Limit 6/13 6. Made her a Joint owner on Chase Checking/Savings She doesn't u
  16. Wife had mortgage with a credit union and has since refinanced. Is it possible to be added to the closed mortgage account? or maybe auto loan?
  17. I recently had myself removed as an AU on my wife's Citi card since we were moving a balance there and I didn't want the utilization tanking my scores. On MPM the account reports to all 3 with the new balance and payment but shows "Responsibility: Terminated". I'm waiting for the next billing cycle to see if it updates again and will also get paper copies before I proceed, but I am wondering if others have seen this before. Is it just a matter of disputing the trade line off directly with the CRAs? Also, had I know this, I probably would have timed it better... remove AU before the BT. You
  18. Can anyone remind me which cards will usually give you instant credit approval at checkout? I think Buckle was one? Also, do these report on the credit bureaus as revolving like any other credit card? tahnks in advance. Will they also help to lower utilization?
  19. Some questions I have seen mixed opinions on - and now that time has passed i wanted to see what the current state is; there were two things I hated about my orchard card that now "appear" possible with cap one: 1. the button for a cli actually works here. by 'work' i mean that i clicked it and i got a 10 day message. i dont know if they will actually hp my reports for it or simply decline saying that orchard cards are not available for cli.. but that is a different message than I was expecting. (currently limit is 1200, which is my lowest card by 4k). 2. It appears that I was able to
  20. Anyone have advice on the best way to dispute the following: Person #1 had a Chase Flex Spending card as part of their health insurance at work. Person #2 was a dependent, and was added as AU on this account. Due to the way funds are added throughout the year, it is possible to spend more in a given month than is on the card. Person #1 gets fired, and Chase charges off the small negative balance. Person #2 now has this charge-off on their credit report. How does Person # 2, the AU, get this account OFF their credit report? Is it best to dispute via snail mail, so i
  21. Can Anyone Confirm that being an AU on a Zales card reports for them.. or not. I was added to one today and they did not ask her for my social nor address an we are in seperate residences... not sure if they have some other random means of getting this done though as I have seen others confirm Zales reporting for them. Please advise.
  22. Can you use a UCC Filing and a promissory note to create a verifiable tradeline under public records since they are filed with the county? I know the Bureaus pick up on these fast! Anyone have sucess with this? Any info is much appreciated. thank you in advance.
  23. Hello, I was wondering if I was added as an authorized user on my brothers Amex card would help me to be approved for a Amex card of my own? I heard that having established history with Amex helps you get approved for other cards. Is this true as an AU? I'm hoping to get an Amex next year, I have scores 678-701. I was denied last week for my age of accounts, which is only about a year averaged. Thanks, Kate
  24. Hello everyone, thanks for reading my post. My wife came to the states last year(Jan 2012), and i made her an AU on 2 of my CCs. Macy's & Cap1. Both cards are around 3 years old and have <15% Uti. After she was an AU with me for 1 year i went to BofA and got her a secured CC(February 2013). Now she is receiving pre approved offers for discover it card, chase freedom and citi diamond. I was wondering if it would be a good idea to app for one of those and then let it age with the BofA card, or wait for the BofA to become unsecured and possibly a higher limit before i apply for any mor
  25. I've had my husband as an AU on my Navy Signature card for a while now. His BK13 is finally discharged so I'm having him go into a branch and apply for a credit card (hoping to get an unsecured via in-person schmooze). Because of various balance transfers, my Navy card has a shamefully high utilization. The Navy site specifically says that being an AU on someone's card won't affect your credit because you aren't responsible for the charges (of course we know this isn't accurate). But if the only thing he's trying for right now is a Navy card, should I remove him as an AU on mine first, or sinc
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