Chip Lupo, Credit Card Writer
@CLoop
Yes, Bank of America reports authorized users to credit bureaus. Bank of America will report authorized users to all three of the major credit bureaus – TransUnion, Equifax, and Experian – soon after they’re added to a primary cardholder’s account. Once it begins reporting an authorized user to the credit bureaus, Bank of America will provide all account activity, both positive and negative, to the credit bureaus once a month.
It’s important to remember that the primary cardholder is responsible for all purchases on the account. Also, both the authorized user and the primary cardholder can request to have the user removed from the account at any time. Authorized users cannot dispute negative information related to the account unless they’ve been removed, either on their own or at the primary cardholder’s request.
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People also ask
How good can an authorized users credit score get?
An authorized user’s credit score can get to the good- or excellent-credit range. Adding someone as an authorized user is a great, low-risk way to give your child a head-start on financial success (at any age) or to help a family member rebuild damaged credit.
It’s difficult to say exactly how much or how quickly a particular authorized user’s credit score will improve, however. A lot depends on the contents, if any, of the...
read full answer by WalletHub, Financial CompanyHow do I remove an authorized user from my credit card?
To remove an authorized user from a credit card, call the customer service phone number on the back of your card or make the request through your online account. You can also mail your request to the issuer, though it would be much slower. Either the primary cardholder or the authorized user can request removal.
You will need to provide the card number, the primary cardholder’s name, and the authorized user’s name. Some credit card...
read full answer by WalletHub, Financial CompanyCan I add an authorized user to my credit card without SSN?
Yes, some credit card companies let you add an authorized user without providing their Social Security number (SSN). Instead, you can provide the authorized user’s name, birth date and address. Requirements, though, vary by credit card company. To give you a better sense of what is required to add an authorized user without an SSN, we looked into some of the most popular issuers’ policies.
Notable Issuers That Don't Require an SSN for Authorized Users
... read full answer by WalletHub, Financial CompanyDid we answer your question?
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