Authorized users

[Tankchucker]

I'm worried now, I just opened 10 Au's in my name last week.

[JamesIV]

Adding yourself will add au accounts to your credit report.

Wow that's a killer

[Tankchucker]

I just got my 10 au cards in the mail 5 from everyday cash and 5 from everyday all under my own name and social all 10 came in 8 envelopes, is it a new thing for amex to put two cards into one envelope?

[lfas25]

I just got my 10 au cards in the mail 5 from everyday cash and 5 from everyday all under my own name and social all 10 came in 8 envelopes, is it a new thing for amex to put two cards into one envelope?

I had 2 new cards come in 1 envelope as well

[Marco Polo]

I've also had them ship multiple cards together.

[talkitup90]

What's the point of adding multiple au's though if they're fake? I know that adding someone could help their credit report, but how does adding fake people or yourself benefit you?

[Emkay]

What's the point of adding multiple au's though if they're fake? I know that adding someone could help their credit report, but how does adding fake people or yourself benefit you?

SBS, amex offers

[talkitup90]

SBS, amex offers

Ah, makes sense. Got it.

[Tankchucker]

Even though I used my name and social my Au's all say member since 15 while my primary cards say member since 12 (though that's also wrong, I opened my first amex in 2014, but in 2012 somebody from the yeshiva office opened an au in my name without my permission)

[TimT]

But in 2012 somebody from the yeshiva office opened an au in my name without my permission)

Was it for SBS ? With ssn ?

[Tankchucker]

Was it for SBS ? With ssn ?

Pretty sure that he used it for SBS. The guy did it with bachurims SSNs from different yeshivas he worked for.

[Jm1248]

What is the suggested amount of au's to get while staying under the radar?

[TimT]

What is the suggested amount of au's to get while staying under the radar?

No set number. Whatever you're comfortable with

[Tankchucker]

If I were to put 99 Au's in my name but be able to prove my income in a fr, would that still be a bad idea? (Putting aside the possibility of the Au's hitting my cr)

[lfas25]

If I were to put 99 Au's in my name but be able to prove my income in a fr, would that still be a bad idea? (Putting aside the possibility of the Au's hitting my cr)

If you don't mind the hassle of a FR and don't mind if you have the card multiple times on your CR, there's nothing to lose by adding yourself.

[Tankchucker]

If you don't mind the hassle of a FR and don't mind if you have the card multiple times on your CR, there's nothing to lose by adding yourself.

The thing is I added 10 Au's in my own name last week, after that I found out that it can hit the CR, my credit history is 2 years long I'm not sure if I should a) cancel all my Au's and cross my fingers and hope that it doesn't hit my cr b) leave them and just don't open any more in my own name c) open another 150 Au's and just let my credit length fix itself over time.

[Marco Polo]

The thing is I added 10 Au's in my own name last week, after that I found out that it can hit the CR, my credit history is 2 years long I'm not sure if I should a) cancel all my Au's and cross my fingers and hope that it doesn't hit my cr b) leave them and just don't open any more in my own name c) open another 150 Au's and just let my credit length fix itself over time.

Why don't you just wait and see.

[ryg]

I keep on having this issue when applying for new cards. They say i have 20 new accounts in the past six months. It takes ten minutes but i explained that the are not new lines of credit and they re-evaluate and approve the app. :-)
If anyone can add the solution to this problem to the wiki...

[TimT]

I keep on having this issue when applying for new cards. They say i have 20 new accounts in the past six months. It takes ten minutes but i explained that the are not new lines of credit and they re-evaluate and approve the app. :-)
If anyone can add the solution to this problem to the wiki...

This with amex or any bank ?

[username]

I keep on having this issue when applying for new cards. They say i have 20 new accounts in the past six months. It takes ten minutes but i explained that the are not new lines of credit and they re-evaluate and approve the app. :-)
If anyone can add the solution to this problem to the wiki...

Happens to me with Amex, but It never takes me 10 minutes. i just tell them what that is, and they move on.