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What do you do with items on your credit report that show you as an authorized user and you are not anymore?
Notify the company that has the listing, and tell them you are no longer a user on the card.
If your name was added to your parent's credit card can you have the account removed from your credit report?
Only if you did not authorize it. Then your parents would be charged with credit card fraud.If your parents added you to their account as an authorized user, you are not liable for any balance, whether you charged on the card or not. Authorized users generally did not enter into a legal agreement with the creditor. That agreement only extends to the account holder.However, it is customary and usual for these accounts to show on consumer's credit report. There are numerous lawsuits and class action suits contesting the practice. The bureaus continue to do this because their primary client, the credit card companies, benefit if a frustrated or confused authorized user pays the account.Your situation is different if you were added as a co-borrower to the account. Like the co-signer on a car loan, you would be liable for the full amount of the loan or account.If you dispute any information on this account with the credit bureaus it will be deleted from your credit report. The credit bureau must delete Any account in which you are only an authorized user once information is disputed. I have done this myself accidentally.
How do you drop an authorized user from your account?
You can call the lender and close that authorized user account. It no longer affects their credit anyway so there is no damage.
Is Vickiann m kalbfleisch an authorized user on any credit card accounts?
hell no
What is involved in commercial credit reporting?
Commercial credit reporting compiles all credit and risk information for commercial businesses. The information that they look at includes credit reports, loans, leases, supplier payments, market information, stock prices, and cash flow. It is much more involved than a consumer credit report.
If you are an authorized user on your parents credit card and they claim bankruptcy how will that affect your credit?
It will not affect your credit at all. Their credit information was used to secure the card. You are in the clear.
Can an authorized user of a credit card obtain any private information on the primary user such as Social Security number or loan balances?
No .
Will putting your child as an authorized user on your credit card result in credit getting established for your child?
Probably not they I believe they would need to be jointly on the account. when they are an authorized user they only have the name not all of the child's information.
If a credit card company refuses to give you information to help clear your credit report do they have to remove it from your report?
Read the Fair Credit Billing Act. Also your user agreement.
Can an authorized user activate a credit card?
Yes, usually, but not always. It depends on the credit card, and whether you have the information required. Sometimes the primary user has to activate them, but then the other authorized users can use them. For instance, this is the message on a popular credit card site: "If you are an Authorized User for this credit card account you'll need to have the Primary Cardmember's date of birth and the last 4 digits of their Social Security Number. If they don't have a Social Security Number you'll need their billing address zip code." So, unless you are the primary user, or have the primary user's information, you can't activate until they activate it.
What type of authentication technology uses a credit card-sized device that stores information about the user?
smart card
What is the classification of credit according to type of user and their definition?
types of credit according to type of user
Does the credit score of an authorized user on your credit card affect your credit score?
No, the credit score of the authorized user will not affect the main cardholders credit score but the authorized users score can be affected as you can see creditcardideas.com/blog/adding-an-authorized-user-to-increase-credit-scores
Are there any free chat rooms which require no credit card information?
There are a wide range of chat rooms which do not require the user to input their credit card information. Some of the most popular include Glogster, Oasis and Chat Jungle.
You have been an authorized user on your wife's credit card account for the past year which is in good standing so how come you still don't have a FICO score?
The reason you still do not have a FICO is because your credit was not used to apporve the application you are just a user much like a 17yr old uses a parents credit card being a user just means the card has your name on it not that your information was used to approved the credit card in most cases the company does not even have your S.S#
How long after an authorized user can you get your own credit card?
Being an authorized user no longer has an impact on your credit score like it used to. In the past, you were able to be added as an authorized user on a credit card, and all of the credit history and credit limit would be reported on your credit report as if it was your credit effectively obtaining unearned credit for the authorized individual. A few years ago the credit reporting industry changed, and no longer recognize an authorized user as credit responsible and therefore it has little to no impact on your credit score. If you would like to obtain credit from this card, contact the card issuer and request to be added as a joint user. If you are jointly responsible for the credit, it will report to the bureaus and impact your score. Approval is still required, but it is typically easier to be approved when you are already and authorized user on a card.
How can one get credit building credit cards?
Credit building credit cards, also known as secured credit cards, allow the user to deposit a certain amount of money as collateral in order to receive the card. The higher the amount deposited, the higher the credit limit. Websites such as Credit and Bankrate offer information on how to obtain credit building credit cards.
