AU on Cap 1

Discussion in 'Credit Talk' started by dlo64, Aug 21, 2001.

  1. dlo64

    dlo64 Well-Known Member

    If you become an AU on someones Cap1 account, does this account show up on your credit file?

    I know an AU on a Sears account shows up on the AU's credit file and I know there are a few others as well I just can't think of them off hand.
  2. hurricane5

    hurricane5 Well-Known Member

    Yes they do report you as an authorized user. I have a Cap 1 card that my wife is authorized on, and she has one that I am authorized on.

    Hope this helps...
  3. roni

    roni Well-Known Member

    yes, au of Cap 1 show up on all three. just without a true credit limit reporting so it can draw down your credit ratios and hurt your scores.
  4. dlo64

    dlo64 Well-Known Member

    Thanks all. I just need to add a new tradeline for post BK purposes. I know Cap 1 doesn't report limits and that can hurt the score, but I will deal with that later.

    GEORGE Well-Known Member

    YOU CAN CHARGE OR BALANCE TRANSFER 99% of the credit line, then pay in full...(ALMOST CREDIT LIMIT REPORTED)...
  6. roni

    roni Well-Known Member

    George is right. If it an existing account you will get the benefit of the entire history of the primary user. If it's a couple of years old, you can ask for the primary to cancel your AU status and then it should report closed. (in theory)....

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