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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 247375 times)

Offline sruly101

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Re: Authorized users
« Reply #1830 on: March 31, 2016, 11:13:59 PM »
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.
thanks

Offline Thingywingy

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Re: Authorized users
« Reply #1831 on: August 29, 2016, 01:49:12 PM »
I posted part of this question in credit score thread but it seems this is a better place...

Are banks quicker than the credit agencies at removing AU accounts from my report? Is the consensus that I need to cancel the AU's 1st?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline duvz

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Re: Authorized users
« Reply #1832 on: August 29, 2016, 03:34:21 PM »
I posted part of this question in credit score thread but it seems this is a better place...

Are banks quicker than the credit agencies at removing AU accounts from my report? Is the consensus that I need to cancel the AU's 1st?
My understanding is that it'll take up to 30 days for the AU to be removed from your report, so you'd want to do that first.

Offline Triple Canopy

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Re: Authorized users
« Reply #1833 on: August 29, 2016, 07:52:27 PM »
I posted part of this question in credit score thread but it seems this is a better place...

Are banks quicker than the credit agencies at removing AU accounts from my report? Is the consensus that I need to cancel the AU's 1st?

If you don't cancel the AU and the bureau removes it, it can reappear. Attack the report from both ends, if the bank agrees to remove from the report great and at the same time dispute with the bureau's directly.

Offline noturbizniss

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Re: Authorized users
« Reply #1834 on: August 30, 2016, 12:20:03 PM »
If you don't cancel the AU and the bureau removes it, it can reappear. Attack the report from both ends, if the bank agrees to remove from the report great and at the same time dispute with the bureau's directly.
DP that AU!!
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Offline aryeh1

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Re: Authorized users
« Reply #1835 on: September 04, 2016, 10:28:58 AM »
Does an amex business authorized user show up on credit report? Will chase count that as part of 5/24

Offline coralsnake

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Re: Authorized users
« Reply #1836 on: September 04, 2016, 10:29:40 AM »
Does an amex business authorized user show up on credit report? Will chase count that as part of 5/24
No
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Offline rileywiles23

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Re: Authorized users
« Reply #1837 on: September 04, 2016, 03:32:02 PM »
Anybody know what's the best number for amex to have them removed aus off the credit report ?
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Offline noturbizniss

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Re: Authorized users
« Reply #1838 on: September 04, 2016, 06:05:15 PM »
Anybody know what's the best number for amex to have them removed aus off the credit report ?
calling CB didn't work?
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Offline rileywiles23

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Re: Authorized users
« Reply #1839 on: September 04, 2016, 06:17:04 PM »
calling CB didn't work?
Going to do that tomorrow. Want to go from both ends.
Have relative that applied for Sapphire card as his first Credit card, and got declined bec. of 5/24 when all 6 of his cards are all au's.
Mind you, that about 6 months ago when he applied for a chase card they denied him bec. lack of credit history, and told him to become an au to build it.  
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Offline SoloExperiment

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Re: Authorized users
« Reply #1840 on: September 05, 2016, 02:23:36 PM »
Was recently added as an authorized user on my wife's CSR card; however, my card number is the same as hers and isn't showing up on my credit report. What do I need to do to have it show up?

Offline noturbizniss

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Re: Authorized users
« Reply #1841 on: September 05, 2016, 06:26:51 PM »
Was recently added as an authorized user on my wife's CSR card; however, my card number is the same as hers and isn't showing up on my credit report. What do I need to do to have it show up?
How long ago was it added? Will likely be at minimum after statement closes, if not a few cycles.
READ THE DARN WIKI!!!!

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Offline Boruch999

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Re: Authorized users
« Reply #1842 on: September 15, 2016, 05:01:22 PM »
Can I cancel Amex AUs myself online or do I need to chat?

Offline Boruch999

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Re: Authorized users
« Reply #1843 on: September 19, 2016, 04:36:00 PM »
Can I cancel Amex AUs myself online or do I need to chat?

Offline JTZ

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Re: Authorized users
« Reply #1844 on: September 20, 2016, 11:05:38 AM »
Are banks quicker than the credit agencies at removing AU accounts from my report? Is the consensus that I need to cancel the AU's 1st?
Chase is quick. Request both at the same time via SM.
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