Authorized User on CC

[pak511]

I have a question about being an authorized user on someone else CC. My mom put me on her Sears Mastercard as an authorized user prior to me filing C7 on 12/2/08 (should be discharged shortly after 3/9/09).

We did it online. My SSN wasn't required so I didn't supply it. I pulled my Credit Report a few weeks ago and her Mastercard showed up on my report (it did indicate "Authorized User". I panicked thinking that since it was on my Credit Report that it might affect her account negatively because of my filing C7 so I removed myself as a user.

My questions:

Would my bankruptcy affect her account or show up on her Credit Report?

I not sure how they were able to apply it to my Credit Report since I didn't supply a SSN or my address. The card was sent to my mother's address. Although that address is on my Credit Report since I had CCs using that address in the past. Anyone now how they could have matched my information without a SSN?

If being an Authorized User doesn't negatively affect the card holder will it in anyway help rebuild my credit rating?

Thanks

[jktrading]

I don't think it will show up on a credit report unless you include it specifically in your BK paperwork. I could be wrong. I have heard where a credit account does a routine check on peoples credit, and if a BK is found, they close the account. Then the credit report would probably read, "closed at credit grantors request." Not necessarily a negative entry, but "closed by consumer" is probably better.

What you may want to consider is to have your mom close the accounts that you are/were authorized on. That would be playing it safe I would think.

[vegasgirl702]

Why not just have your mom remove you as an authorized user then add you back on after its all over?