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Golfer
LSU Fan
Member since Nov 2005
60062 posts

Pulled my Wife's credit report today...CC's for me are showing up on her account

I'm the signatory on the accounts, and ordered cards in her name with the account but they are showing up as her debts?

Anyone else had this issue?


HeadyMurphey
LSU Fan
Los Santos
Member since Jan 2008
16043 posts

re: Pulled my Wife's credit report today...CC's for me are showing up on her account
She is an authorized user which shows on her credit


Golfer
LSU Fan
Member since Nov 2005
60062 posts

re: Pulled my Wife's credit report today...CC's for me are showing up on her account
quote:

She is an authorized user which shows on her credit



She's a user, not the guarantor though.


OTIS2
LSU Fan
NoLA
Member since Jul 2008
31075 posts

re: Pulled my Wife's credit report today...CC's for me are showing up on her account
I'd expect she is an obligor under the terms of the credit agreement.


Golfer
LSU Fan
Member since Nov 2005
60062 posts

re: Pulled my Wife's credit report today...CC's for me are showing up on her account
quote:

I'd expect she is an obligor under the terms of the credit agreement.



I've never provided her SSN to the Creditor.


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HeadyMurphey
LSU Fan
Los Santos
Member since Jan 2008
16043 posts

re: Pulled my Wife's credit report today...CC's for me are showing up on her account
I am just telling you how it works.


slaphappy
LSU Fan
BR
Member since Nov 2005
1459 posts

re: Pulled my Wife's credit report today...CC's for me are showing up on her account
That is exactly how it works. I put my son on my credit card when he took a trip out of the country. Fast forward 5 years later. He tries to buy a house, but the credit limit on MY card put over the debt ratio. Bizarre. I had it removed and he got the loan. I was not told this would occur before I put him on my card....Live and learn.


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HurricaneDunc
Bowling Green Fan
Houston
Member since Nov 2008
9832 posts

re: Pulled my Wife's credit report today...CC's for me are showing up on her account
My wife has great credit from being a cardholder on her dad's Amex account


DaphneTigah
USA Fan
Flying under the radar.
Member since Dec 2007
4545 posts

re: Pulled my Wife's credit report today...CC's for me are showing up on her account
It's called "Piggy Backing" in the credit building/rebuilding world.


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Siderophore
LSU Fan
Member since Nov 2010
3335 posts

re: Pulled my Wife's credit report today...CC's for me are showing up on her account
Some CC will allow authorized users to have card activity reflect on their record.

Even though it isn't "their" debt.

It's meant to help, not hurt.

And unless I'm mistaken if you remove them as an authorized user the report disappears too.


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yellowfin
Illinois Fan
Coastal Bar
Member since May 2006
78156 posts

re: Pulled my Wife's credit report today...CC's for me are showing up on her account
quote:

Anyone else had this issue?



Sure do, all our credit cards show on both our reports even though be both had them before we got married.


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