Does American Express Check credit for authorized users?

Yes. American Express reports authorized users to credit bureaus. As long as the account remains in good standing, the authorized user’s credit score will gradually increase. If the primary account holder becomes delinquent, American Express will stop reporting credit information for the additional cardholder.

Do credit card companies check credit for authorized users?

Many credit card issuers do report account activity for authorized users to Equifax, TransUnion and Experian. However, be careful not to assume this is the case. You should review your three credit reports around 60 days after becoming an authorized user to verify whether the account shows up.

Can an authorized user be denied?

American Express authorized users can be denied if they are younger than 13 years old or if they have a bad history with Amex, such as past defaults or lawsuits with the company. Some online forums also report that if a primary cardholder’s account is not in good standing, Amex authorized users cannot be added.

Does an authorized user get credit history?

Yes, authorized users do build credit. You can actually build a good or excellent credit score just as an authorized user on a credit card. When you become an authorized user, the account is added to your credit report, which means on-time payments by the primary cardholder will help you build good credit history.

Does Amex backdate authorized users?

Amex’s official policy is that they no longer backdate but they are more than happy to accept authorized users. As an authorized user, you will receive your own credit card that is linked to the main user’s account.

Does Amex do a hard pull for authorized user?

Authorized Users are Building Credit Authorized users 18 years of age and older will be building credit when added as an additional user to the Amex Business Platinum card. There is no hard pull on their credit report but card activity is reported to the credit bureaus.

Does American Express give second chances?

Generally American Express offers this to cardholders who had a relationship with American Express and then defaulted/became delinquent on payments. American Express then offers this card as an option once these balances have been settled. Sometimes these are referred to as second chance credit cards.

How long does it take for authorized user to show on credit report?

After you add an authorized user to an account, the new account should appear on his or her credit report by the end of the next billing cycle. So it could show up in just a few days or take about a month, depending on when in the card’s billing cycle the authorized user is added.

Will removing an authorized user hurt their credit?

If you’re the primary account holder, removing an authorized user won’t affect your credit score. The account will continue to be reported on your credit report as normal.

Does authorized user need SSN?

In most cases, you’ll need to provide the authorized user’s date of birth and Social Security number (SSN) for the credit bureaus to update their file. American Express, Bank of America and Discover, for example, require this information in order to add an authorized user.

Do Amex Platinum authorized users get clear?

CLEAR will keep your Platinum Card on file to renew your membership each year, unless you cancel. Authorized users are eligible to use the credit too, but you’ll only receive up to $179 in credits across all cards on your account. The credit is also “use it or lose it”, meaning it doesn’t roll over.