| Posted by | Message |
Golfer 
LSU Fan
Coral Bay, St. John, USVI
Member since Nov 2005
47534 posts
 Online
| Pulled my Wife's credit report today...CC's for me are showing up on her account (Posted on 1/29/13 at 1:03 pm)
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?
|
| Back to top | Share on  |
HeadyMurphey
LSU Fan
LP
Member since Jan 2008
14348 posts
| re: Pulled my Wife's credit report today...CC's for me are showing up on her account (Posted on 1/29/13 at 1:37 pm to Golfer)
She is an authorized user which shows on her credit
|
| Back to top | |
Golfer
LSU Fan
Coral Bay, St. John, USVI
Member since Nov 2005
47534 posts
Online
| re: Pulled my Wife's credit report today...CC's for me are showing up on her account (Posted on 1/29/13 at 1:39 pm to HeadyMurphey)
quote:
She is an authorized user which shows on her credit
She's a user, not the guarantor though.
|
| Back to top | |
OTIS2
LSU Fan
NoLA
Member since Jul 2008
18521 posts
| re: Pulled my Wife's credit report today...CC's for me are showing up on her account (Posted on 1/29/13 at 1:53 pm to Golfer)
I'd expect she is an obligor under the terms of the credit agreement.
|
| Back to top | |
Golfer
LSU Fan
Coral Bay, St. John, USVI
Member since Nov 2005
47534 posts
Online
| re: Pulled my Wife's credit report today...CC's for me are showing up on her account (Posted on 1/29/13 at 1:57 pm to OTIS2)
quote:
I'd expect she is an obligor under the terms of the credit agreement.
I've never provided her SSN to the Creditor.
|
| Back to top | |
HeadyMurphey
LSU Fan
LP
Member since Jan 2008
14348 posts
| re: Pulled my Wife's credit report today...CC's for me are showing up on her account (Posted on 1/29/13 at 2:01 pm to Golfer)
I am just telling you how it works.
|
| Back to top | |
slaphappy
LSU Fan
BR
Member since Nov 2005
951 posts
| re: Pulled my Wife's credit report today...CC's for me are showing up on her account (Posted on 1/29/13 at 7:25 pm to HeadyMurphey)
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.
|
| Back to top | |
HurricaneDunc 
Bowling Green Fan
Houston
Member since Nov 2008
8479 posts
| re: Pulled my Wife's credit report today...CC's for me are showing up on her account (Posted on 1/29/13 at 8:43 pm to Golfer)
My wife has great credit from being a cardholder on her dad's Amex account 
|
| Back to top | |
DaphneTigah 
USA Fan
Coast to Coast
Member since Dec 2007
3927 posts
| re: Pulled my Wife's credit report today...CC's for me are showing up on her account (Posted on 1/29/13 at 8:52 pm to HurricaneDunc)
It's called "Piggy Backing" in the credit building/rebuilding world.
|
| Back to top | |
Siderophore
LSU Fan
Member since Nov 2010
3334 posts
| re: Pulled my Wife's credit report today...CC's for me are showing up on her account (Posted on 1/29/13 at 9:12 pm to Golfer)
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.
|
| Back to top | |
yellowfin 
Illinois Fan
Paige is Pretty
Member since May 2006
51965 posts
| re: Pulled my Wife's credit report today...CC's for me are showing up on her account (Posted on 1/30/13 at 6:49 am to Golfer)
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.
|
| Back to top | |
