Topic Wiki

AU Random Info

99 AU's free:
SPG Personal
SPG Biz
EDP
EDNP (non pref)
Blue Sky
Blue Cash Everyday
Blue for Business
Delta Personal
Delta Biz
BRG (add as green au's)
Plat Biz (add as green au's)
Green Biz

PRG is 5 AU's free..
Green Personal is 5 AU free the first year, after that its $30..

Jetblue?
Plum?
Plenti?
Costco?
Hilton Honors?
Mercedes Benz = $175 for 3 AU's
Serve = 4 AU's
Bluebird = 4 AU's

Do not add yourself as an AU with your SSN, it will come up on your credit report as a new account.

Author Topic: Authorized users  (Read 247785 times)

Offline theblakdavid

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2016
  • Posts: 546
  • Total likes: 10
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: NY
Re: Authorized users
« Reply #1815 on: March 31, 2016, 12:20:52 PM »
Ughhhh. It makes no sense. Seems like 95% of the people here get AUs removed with no problem, and 5% of us can't get the CBs to remove them.
Ye, it stinks.

Offline theblakdavid

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2016
  • Posts: 546
  • Total likes: 10
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: NY
Re: Authorized users
« Reply #1816 on: March 31, 2016, 12:24:28 PM »
But why the heck did they remove 1 out of my 5 AU accounts, when they all were the same account??!!!!

Online chinagel

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2014
  • Posts: 3471
  • Total likes: 266
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: brooklyn
Re: Authorized users
« Reply #1817 on: March 31, 2016, 12:26:45 PM »
make sure to cancel the card first
ive had success even w/o cancelling first

Online chinagel

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2014
  • Posts: 3471
  • Total likes: 266
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: brooklyn
Re: Authorized users
« Reply #1818 on: March 31, 2016, 12:27:54 PM »
But why the heck did they remove 1 out of my 5 AU accounts, when they all were the same account??!!!!
the cb's r a bunch of clowns and theres no rhyme or reason to the way they work. just keep on disputing

Offline theblakdavid

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2016
  • Posts: 546
  • Total likes: 10
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: NY
Re: Authorized users
« Reply #1819 on: March 31, 2016, 01:30:57 PM »
the cb's r a bunch of clowns and theres no rhyme or reason to the way they work. just keep on disputing
I can dispute an account again? Online or by phone?

Online chinagel

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2014
  • Posts: 3471
  • Total likes: 266
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: brooklyn
Re: Authorized users
« Reply #1820 on: March 31, 2016, 01:31:50 PM »
I can dispute an account again? Online or by phone?
online or mail and yes sometimes u have to make up a new reason y ur disputing again

Offline theblakdavid

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2016
  • Posts: 546
  • Total likes: 10
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: NY
Re: Authorized users
« Reply #1821 on: March 31, 2016, 07:29:37 PM »
online or mail and yes sometimes u have to make up a new reason y ur disputing again
Such as? Do you have any ideas for me?
TIA

Online chinagel

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2014
  • Posts: 3471
  • Total likes: 266
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: brooklyn
Re: Authorized users
« Reply #1822 on: March 31, 2016, 07:40:41 PM »
Such as? Do you have any ideas for me?
TIA
when u dispute with experian they give u a bunch of reasons to select from either pick a different reason than b4 or even the same reason but add something dumb in the comments like "the creditors response was not satisfactory". as long as u add something they have 2 resubmit to the bank for proof and u increase chances that the bank wont answer.

Offline theblakdavid

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2016
  • Posts: 546
  • Total likes: 10
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: NY
Re: Authorized users
« Reply #1823 on: March 31, 2016, 07:46:14 PM »
when u dispute with experian they give u a bunch of reasons to select from either pick a different reason than b4 or even the same reason but add something dumb in the comments like "the creditors response was not satisfactory". as long as u add something they have 2 resubmit to the bank for proof and u increase chances that the bank wont answer.
Ah, that's online. They're not letting me dispute online for some reason...

Online chinagel

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2014
  • Posts: 3471
  • Total likes: 266
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: brooklyn
Re: Authorized users
« Reply #1824 on: March 31, 2016, 07:58:23 PM »
Ah, that's online. They're not letting me dispute online for some reason...
u can still do the certified mail thing if u have time and patience

Offline theblakdavid

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2016
  • Posts: 546
  • Total likes: 10
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: NY
Re: Authorized users
« Reply #1825 on: March 31, 2016, 08:38:59 PM »
u can still do the certified mail thing if u have time and patience
Thanks.

Offline sruly101

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2012
  • Posts: 2329
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NY
Re: Authorized users
« Reply #1826 on: March 31, 2016, 08:44:20 PM »
I wanna add someone to my account with no credit to build up his credit, I can add him or to my capital one or to a Barclay, both require SSN with DOB (thats a sign that it will go on his credit, right? 

With which should I go or its both the same god to build up his credit

Offline mochjas

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Oct 2015
  • Posts: 8537
  • Total likes: 680
  • DansDeals.com Hat Tips 115
    • View Profile
  • Programs: Hyatt Globalist, Hilton Diamond, Marriott Titanium Elite, AA EX PLAT, Jetblue Mosaic, Qatar Gold, United Silver
Re: Authorized users
« Reply #1827 on: March 31, 2016, 08:49:50 PM »
I wanna add someone to my account with no credit to build up his credit, I can add him or to my capital one or to a Barclay, both require SSN with DOB (thats a sign that it will go on his credit, right? 

With which should I go or its both the same god to build up his credit
the older the better. Also make sure the credit to debt ratio is good. Otherwise it will hurt his credit.

Offline sruly101

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2012
  • Posts: 2329
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NY
Re: Authorized users
« Reply #1828 on: March 31, 2016, 08:58:07 PM »
the older the better. Also make sure the credit to debt ratio is good. Otherwise it will hurt his credit.
Would you please explain.

Thanks

Offline David Smith

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2015
  • Posts: 8286
  • Total likes: 203
  • DansDeals.com Hat Tips 13
    • View Profile
Re: Authorized users
« Reply #1829 on: March 31, 2016, 09:05:02 PM »
Would you please explain.

Thanks
The older the account is, the better it is for the score of the person you added. In addition, the lower your credit utilization is, the better it is for your score.

If your Cap1 card is 1 year old, has a $10,000 credit limit, and the statement usually closes with a $6,000 balance, when you add that person, his report will show one year of history with 60% utilization.

If your Barclay card is 5 years old, has a $12,000 credit limit, and the statements usually close with a $100 balance; when you add him to that card, his report will show 5 years history and 1% utilization.

Scenario 2 is much better for his credit score, because it shows an older Age of Accounts, and lower utilization.

For more information about factors for your credit score, GIYF.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ