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Authorized User - Credit Report

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    Authorized User - Credit Report

    If you become an AU, is it considered as applying for a new credit card?

    I have filled out a few CC apps (didn't pull the trigger yet) and it asked if you have applied for any credit in the last year, which I have not, been over two years.

    Will the AU be considered as a new applied cc? Or just added to my credit history.

    And since I would be the AU, I ass[u]me there is no hard pull or ding to my credit history since I have no hard pulls in over two years.

    Thanks

    PG
    Filed Chapter 7: Nov 2012, Discharged Feb 2013, Closed May 2014
    Post-Discharge:EQ: 665, EX: 716, TU: 674 (All Fakos)
    Current FICO Scores (1/1/15): Ex: 706, TU: 690, EQ: 676

    #2
    Originally posted by PhillyGuy View Post
    If you become an AU, is it considered as applying for a new credit card?

    I have filled out a few CC apps (didn't pull the trigger yet) and it asked if you have applied for any credit in the last year, which I have not, been over two years.

    Will the AU be considered as a new applied cc? Or just added to my credit history.

    And since I would be the AU, I ass[u]me there is no hard pull or ding to my credit history since I have no hard pulls in over two years.

    Thanks

    PG
    Did you apply for the card or did the person who added you as an authorized user apply for the card?

    Comment


      #3
      They did, but I wanted to make sure it doesn't count as applying for me when added.
      Filed Chapter 7: Nov 2012, Discharged Feb 2013, Closed May 2014
      Post-Discharge:EQ: 665, EX: 716, TU: 674 (All Fakos)
      Current FICO Scores (1/1/15): Ex: 706, TU: 690, EQ: 676

      Comment


        #4
        Originally posted by PhillyGuy View Post
        They did, but I wanted to make sure it doesn't count as applying for me when added.
        Nope, you didn't apply.

        Comment


          #5
          Thanks
          Filed Chapter 7: Nov 2012, Discharged Feb 2013, Closed May 2014
          Post-Discharge:EQ: 665, EX: 716, TU: 674 (All Fakos)
          Current FICO Scores (1/1/15): Ex: 706, TU: 690, EQ: 676

          Comment

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