Originally Posted by
pallhedge
Did she do this during application or later on? Ultimately, what I'd like to know is what does CapOne use as the AU card's open date? Does it backdate to the date that the original account was open?
I couldn't have asked that better myself.
Originally Posted by
eng3
It's interesting the SSN of the AU is optional
It's not only interesting, it's highly problematic. I know dozen's of people's names, phone numbers and dates of birth (relatives, coworkers, neighbors, friends, enemies). That's all I (or anyone) need to maliciously add cards to those unsuspecting people's CRs. Their cards would arrive at my address; they would be none the wiser... until cards mysteriously appear on their CRs thanks to CapOne's laxity.
Originally Posted by
toofast
In my case, my wife added me as an AU on her card (without entering my SSN). The card appeared in my credit history...
I wonder what would happen if you challenged that card, demanding its removal. (Not that you would, but hear me out.) I gather (correct me if I'm wrong -- as if) the reporting agency would then contact CapOne to verify the card was added legitimately. One wonders what CapOne would say. "Uhh, no, we don't have a SS#, but good golly we're kinda pretty sure that's probably maybe the right authorized user."