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Auhtorized User Status

BayHouse Credit Forum: 10/1999 to 01/2001: Credit Reporting, FICO Credit Scoring, Disputes, Collections, Charge-offs, Bankruptcy, CCCS: CATEGORY: Credit Disputes - Bankruptcy - Establish new credit: Auhtorized User Status
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RA (Wilfire99)

Tuesday, June 27, 2000 - 09:37 am Click here to edit this post
Now the question I have is , my husband and I are authorized users on our
families account, me on my sister's 2 accounts and my husband on his mom's 2
accounts. Their (their)-(I could never spell this right!)accounts are excellent
and want to know if we should remove our authorized status or leave it on our
reports. I am sure the issuing banks will remove the entries upon our request,
but is it better for us to leave them or will hurt us in the future??

Rosemarie

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Christine Baker (Admin)

Tuesday, June 27, 2000 - 01:25 pm Click here to edit this post
Does anyone KNOW whether "authorized user" notations will result in those accounts being ignored for Scoring?

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Christine Baker (Admin)

Tuesday, June 27, 2000 - 03:09 pm Click here to edit this post
According to Fair Isaac, "authorized users" ARE included in the Score just as if it was your own account.

Fair Isaac decided to include the authorized user accounts because some department stores used to report joint account holders (spouses) as "authorized users."

Obviously, this can be VERY beneficial to your Scores if you have FEW good accounts.

Should the account holder pay late, you just dispute the reporting with the CRAs and they have to remove the account from your report as you are not liable for the account.

It would be great to get some feedback on creditors who will add authorized users without the credit check and will also report those authorized users to the CRAs.

Any leads?

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Farrah Martinez (Martysgirl)

Tuesday, April 10, 2001 - 03:26 pm Click here to edit this post
I know Spiegel issued by First Consumers National Bank Does.

It was reported on my Experian report I pulled two months ago.

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Christine Baker (Admin)

Thursday, April 12, 2001 - 11:15 pm Click here to edit this post
Thanks, I have also seen AmEx and PNC since. Who is PNC?

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Farrah (Martysgirl)

Friday, April 13, 2001 - 02:30 pm Click here to edit this post
Hummmmmm...???

I am not sure who PNC is...?????

I will ask around.


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