Credit Question
 

Hi all.

I was looking to begin creating a credit history by becoming an authorized user of my partners Chase Sapphire credit card.
However, when adding me, it didn't ask for any infomation (address/SSN)? Do I need to be doing something else to make sure a credit file is created/maintained?

Thanks,

Mac

Re: Credit Question
 

Without an SSN nothing is being reported, that is the flag used to compile information into your credit history.

Re: Credit Question
 

As Pulaski says, without your SSN it cannot be reporting. I'd be calling again to clarify.

Re: Credit Question
 

Did you confirm with Chase that they would definitely report it? My husband is a second user on my Amazon credit card (issued by Chase), it's never shown up on his credit report.

Re: Credit Question
 

She didn't give her SSN. Chase can't report it! :rolleyes:

Re: Credit Question
 

She.

266mac - you can get a secured credit card, load it up with some money and make sure you use it a bit every month, then pay back the difference every month for about 6 months. That should help build credit history. There is a wiki on this as well at the top of the forums.

Hoffage

Re: Credit Question
 

True, but based on my experience, some companies don't report on second users anyway - SSN given or not.

Re: Credit Question
 

The rules on authorized users keep changing too.

Re: Credit Question
 

Right, agreed. It might work, but it might not. My guess is "not" because they didn't even ask for an SSN.

Re: Credit Question
 

This. Without a SSN, they aren't going to report it as they have no idea on whom it should be against in the grand scheme of things. If a SSN was used, then it's 50/50

Re: Credit Question
 

Chase may report if the name that you add as an authorized user is someone who shares your address, then Chase will be able to use that name/address combination to report information to the credit bureaus. But if the authorized user doesn’t share an address, then that credit card information can’t be connected to the authorized user, so nothing gets reported.