Posts Tagged ‘ authorized user ’

Authorized user unaffected by mother’s missed payments

Dear Experian, I am an authorized user on my mother’s account. Will it affect me if she misses payments? Will it hurt my credit? - SHN

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Experian will removed delinquent authorized user accounts on request

Dear Experian, I am listed as an authorized user on two of my husband's accounts, one of which was charged off, and the other is in collections. They are showing up on my credit report and negatively impacting me. How can I get these off my credit report? - SHR

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Authorized user account not appearing on the credit report

Dear Experian, I checked my credit report online and saw that it says I have no credit cards. I am an authorized user on a card, and I pay the balance every month. Why doesn't it appear on my report? - MDM

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Adding an authorized user to your account won’t hurt your credit scores

Dear Experian, Will adding one or more authorized users (my husband and my daughter) to my credit card accounts affect me negatively? My daughter will not have a card to use; I only want to help establish her credit. - AGF

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The difference between an authorized user and a cosigner

Dear Experian, I am wondering about the difference in liability between a cosigner and an authorized user on a credit card. I understand that if I am a cosigner on my ex-wife’s credit card, I am responsible for the debt if she defaults or declares bankruptcy. Is this also true if I am not a cosigner but an authorized user? Also, if I am an authorized user, can I have my name removed from the account? - URY

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An authorized user’s credit history does not affect your credit report

Dear Experian, Does it affect my credit score if I have an authorized user on credit cards who does not have a good credit history? And likewise, does it help the credit score of someone with poor credit to be added as an authorized user (not joint applicant) for a card belonging to someone with a high credit score? - BIJ

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Removing ex-spouse’s address from your credit report

Dear Experian, I had you remove my ex-wife's address from my report, and now it is back on there. I need to know why, and I would like it to be removed and to stay removed. - RPR

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Authorized user accounts could factor in to credit scores

Dear Experian, Do items on my credit report in which I am listed as an "authorized user" contribute to my score? - DRH

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Adding an authorized user who has declared bankruptcy

Dear Experian, If I add an authorized user who filed bankruptcy to my credit card, will that affect my credit scores? - SDY

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Listed as authorized user on mother’s delinquent credit card

Dear Experian, I was an authorized user under my mom's credit card. I never used the card. I only "piggybacked" so I could start a credit history. She was unable to pay her card, and I found out today that her debt was charged off in February 2011. I found out about it because I saw it in my credit report. How badly does this affect me? I want to ask to get that debt off of my report. If I do that, will that affect my mother's report too? - HNA

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Authorized user account impeding son’s home purchase

Dear Experian, I have a question regarding authorized users. I put my son on my card when he and his sister were traveling in Europe. I forgot about it because they never misused them. Now my son, who has excellent credit, is planning to buy a house, but the lenders are objecting because he has "Authorized user of credit card" on his report. I feel so bad about this and wonder if there is a way to get this removed from his report quickly? - ATH

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Removing authorized user accounts after a breakup

Dear Experian, I broke off a relationship in October 2009 where I was an authorized user on several credit cards. My ex-girlfriend told me she removed me as authorized user. Can I get those accounts deleted off my credit report since I am not legally responsible for those debts? If so, how do I go about doing it? - IMM

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Adding daughter as authorized user can help build credit history

Dear Experian, Will adding my responsible adult daughter (age 24) as an authorized user to one of my credit card accounts help to build her credit? - CCA

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Adding new spouse as authorized user can help build credit history

Dear Experian, My wife had no credit history before we were married. I set her up as authorized user for a couple of my frequently used credit cards. Does this help her build up her credit history? - HNA

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Removing your son as an authorized user

Dear Experian, If I remove my son as an authorized user on my credit card account will the previous activity still be listed on his credit report? - TLE

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Income information isn’t part of a credit report

Dear Experian, My name was on one of my parents’ credit cards for emergencies. My name was taken off the card a couple months ago. When I applied for a credit card I got denied. The reason stated was, "Your total credit obligations, which include outstanding credit lines, are too high to meet our approval guidelines, when compared to your stated income." What can I do to get it expunged from my record? - LEN

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Authorized user accounts can be removed from report upon request

Dear Experian, Is an authorized user responsible for the debt? If an authorized user is removed from the credit card, can the credit card also be removed from the credit report? I also read somewhere that credit bureaus will not take into account authorized users for credit scores. Is that true? - CHS

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