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cajunbulldog
Joined: 30 Aug 2007
cajunbulldog's page
Posts: 35
Location: Louisiana
-10 Magic Points
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Sat Sep 15, 2007 6:02 pm
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Any joint accounts you have would remain on your reports. If you are an authorized user on any of her accounts it would stay until you were removed from the account.
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Cajunbulldog
Keeping an eye out for consumers. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: credit
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Sun Sep 16, 2007 11:57 am
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| Ok...I have a question. If, God forbid, I hve to go overseas again, and I put my POA ( Power of Attorney), on my credit cards, etc, as an 'authorized user', ...if hey someone inquiries about MY credit report, does it show that my POA is my 'authorized user? Would HER credit 'merge' with mine? Or..the other way around? |
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cajunbulldog
Joined: 30 Aug 2007
cajunbulldog's page
Posts: 35
Location: Louisiana
-10 Magic Points
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Sun Sep 16, 2007 12:33 pm
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Power of attorney has nothing to do with credit reporting and would not show up on report. If you go overseas as a soldier you are allowed to insert a active duty alert to notify creditors to verify new credit apps. The power of attorney is used so that person can legally represent you and do business with your creditors.
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Cajunbulldog
Keeping an eye out for consumers. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: credit
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Tue Sep 18, 2007 1:08 am
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| I catch'ya!! My POA took care of everything while I was gone!! Gotta hand it to her!! One of my best friends, too!! But..I din't know if the 'piggybacking thing' applied, with her, being my POA. Thanks for the response, Cajun. |
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kimmi
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Subject: piggybacking, Auth User & joint cardholder
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Thu Oct 18, 2007 11:14 pm
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| Hi all!, When I first got my credit 3 yrs ago, my Mom put me on on of her visa accounts as a joint cardholder. I benefitted just a smidge from this because she has exccelent credit and I was able to be a joint card hoder on a major card. It has show that I can keep the credit as a responsible party. My mom and I worked out a mutual understanding whereas I agreed to not spend unless I notified her first and vise versa. I made sure I always stuck to this so she knew I valued and apprecited what she did for me in helping me start my credit. On the other hand... I had been an Auth user on her accounts since I was 16, because she would let me purchase my school clothes etc.. with my cards as long as I was respomsible, kept my grades up and help my job. Even though I had these accts on my credit since the age of 16, creditors and the bureaus don't look at them as any help to your credit because it shows on your credit that you are only an Auth User, not responsible for the acct. But by having a joint cct. with my mom it helped start me on the right foot. Hope this helps. : ) |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: credit card
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Mon Oct 22, 2007 3:24 am
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| Sounds like a 'good deal', Kimmie. I have 2 credit cards, in my name. They are both only $300.00 credit limit. This way, have a 'limit' on both cards. I can't go over the amount. I am wondering, however.....a friend of mine ( who has a better credit score than I do) applied for one of these cards...an Orchard Bank Card. She was denied. However....i have one. That kind of doesn't make sense...HER score better than mine and SHE was denied? Any suggestions?? |
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prettygirl
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Subject: trade lines
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Tue Jan 17, 2012 2:16 pm
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| does anyone know a company that will add seasoned trade lines thats not a scam and before you answer i really don"t care how ethical it is or is not just want a answer not a opinion |
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