Posts Tagged ‘ authorized user ’

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 [ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]