Jump to content

Search the Community

Showing results for tags 'authorized user'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


  • Announcements
    • PLEASE READ BEFORE POSTING / Board Announcements
    • Resources
  • Credit Repair
    • Credit Repair
    • Collections
    • Credit Bureaus/Reports/Scores
    • Identity Theft
  • Legal Issues
    • Is There a Lawyer in the House
    • Bankruptcy Q and A
  • Debt Validation
    • While You are In It Debt Validation Q and A
    • Debt Settlement
  • Loans and Banking
    • Obtaining Credit Cards, Auto Loans and Financing
    • Mortgages
    • Student Loans
    • Banking and Finance
  • Feedback and Non Credit Topics
    • Forum Feedback and Other Off Topic Stuff

Find results in...

Find results that contain...

Date Created

  • Start


Last Updated

  • Start


Filter by number of...


  • Start







Found 3 results

  1. Good morning, I was curious to see if anyone had input on my current situation. I was chatting about a different thread/topic and they suggested I become an AU. I think this is a great way to bump me up a bit but wanted to see if anyone has experienced this specific issue. The commenter gave me great advice but, since our discussion was nestled into a different topic/forum and this issues is pretty specific, I thought I would try here before requesting to be added as AU. I had a Chase CC go south in 2019. They finally charged off in 2020. Since the CO will remain on my account through 2025, last week I chose to pay/settled for less. This CO is newly paid but, I've called to confirm, it is officially paid. My husband's chase CC has a $5400 limit, he's never been late. Utilization is about 6% and he does not carry a balance. It is his only CC (we are working on getting him another one) Considering my recent Chase CO, would I still approved as a AU? Has anyone else tried this with Chase and been successful? I'm curious on whether I should wait (which I really do not want to do) or am I beating a dead horse b/c its Chase? I know that Amex, minus a few exceptions that slipped through the cracks, will deny an AUs if they have previously had a charge off or somehow burned Amex previously. I don't see anything in the groups about that with Chase. Any suggestions or guidance will be appreciated! *additional info: My credit issues bring me to around 630 - consist of unpaid medical collections (I'm dealing with them today), Chase (paid) and Navient CO (unpaid), thin file (1 CareCredit CC opened in March with $4900 limit, mortgage on time payments). My husband's is about 730, 2 unpaid medical collections for less than $100, 1 Chase Card w 6% utilization, onetime since 2007 (we are looking into an additional 2 cards to expand his file), on time mortgage, on time student loans (about 7 of them). Being added as an AU will definitely help me - I won't be using the card except to put utilities, bills to show usage.
  2. Last week I was added as an authorized user to a family member's account in great standing with many years of great history and a limit of 20k. We're planning to leave me on as an authorized user for 2-3 years. My question is, after 6-12 months, will i start getting credit card offers with limits of 20k as well? How does the system decide these things? I'm also paying a small loan through the year and just received my Navy Federal secured credit card with a $500 limit and plan to use it only for my $25 loan each month on auto pay. Are these tactics going to raise my score considerably over the next 3-6 months. Any advice will help, as this is a question google could not completely provide detailed answers for. Thank you all for reading/responding. current fico score from multiple sites= 423-440
  3. Does anyone know for sure(personal experience) whether or not Bank of America reports authorized users to the credit bureaus? I get a differnet answer from everyone. Including the reps at Bank of America. I've gotten three different answers from them. 1. Yes 2. Only if you're a spouse. 3. No, in any circumstances. Conflicting info on the boards as well. Any of you AU on a loved one's BofA? Is the account on your credit report? Thanks.
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.