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Got a question... Does Discover Card or visa offer debit cards? Hoping for any answer. Another quick question... I have horrible credit and am currently using a CCCS service. I have no credit and would like to become an authorized user on one or two of my wife's Discover card accounts. It is critical that we maintain her solid credit I will not do anything that can potentially hurt her credit or current Discover card relationships. Does my wife take a risk for adding me as an authorized user?.. |
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Yup, however you might wanna make sure and wait for another commenter to confirm this as I am not sure. Better yet, why don't you contact the Discover Card guys because they can answer your Discover Card question better...
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IF IT REPORTS "AU" ACCOUNTS CAN'T HURT EITHER PARTY.
Assuming it is not always maxed-out and it doesn't have any late payments.. |
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I was hearing they are or did change the law on how AU works, let me see If I can find more about what changed.. I believe it don't help or hurt you on your reports now.. let me double check though...
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Like.
FICO08. Few if any use it. It is still required by. LAW. To report an "AU" for a spouse.. |
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AU's still report. National City told me they didn't report AU's, but yet the account is on all three reports. So don't believe them if they tell you no...
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By adding you as an authorized user, she is adding the account to your credit report and giving you a card of your own to access her account. So, unless you run up her utilization or otherwise abuse the card, no, there is no way that her credit report will be damaged by adding an authorized user...
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