Adding AU with no SSN to Chase CCs?
May 26, 2014, 10:36 am
#1
Original Poster
Join Date: Apr 2013
Posts: 65
Adding AU with no SSN to Chase CCs?
I was wondering if anyone has any experience lately (this year) with adding foreign AUs without SSNs to Chase cards? I searched flyertalk and it seemed like people weren't having any issues last year, and when adding AUs online, it seems to just ask for name without asking for any additional information. However, this is listed under "things you should know":
"For the Authorized User, this account will be reported to the credit reporting agencies as an Authorized User's account. This could potentially impact the Authorized User's credit score."
How will the account be reported for the AU if they don't ever get the AU's SSN?
Thanks in advance!
"For the Authorized User, this account will be reported to the credit reporting agencies as an Authorized User's account. This could potentially impact the Authorized User's credit score."
How will the account be reported for the AU if they don't ever get the AU's SSN?
Thanks in advance!
May 26, 2014, 11:42 am
#2
Join Date: Aug 2013
Location: RSW
Programs: Hyatt Plat,SPG-Plat,Hertz-PC
Posts: 161
I added my wife an authorize user on Discover without SSN, but they were able to report it to her credit file. I guess, their system is smart. If they can't find it, then it wouldnt be a problem.
May 26, 2014, 7:00 pm
#4
Join Date: May 2010
Programs: UA MileagePlus
Posts: 138
SSN is helpful but generally not required for information to be reported to the credit bureaus. From my understanding, the credit bureaus can usually also match a person based on other biographical data (e.g. name and address). And if they can't match it, then the info just doesn't get posted.
May 27, 2014, 9:16 am
#6
Formerly known as FTRox87
Join Date: Sep 2012
Location: TX
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Posts: 1,428
yeah I read about this in the MR forum lol wow... so how well does this work for banks other than Amex? from this thread I get the sense most of em dont ask for SSNs or its optional when you sign up the AU?
Jun 2, 2014, 1:52 am
#7
A FlyerTalk Posting Legend, Moderator, Information Desk, Ambassador, Alaska Airlines
Join Date: Dec 2006
Location: FAI
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Posts: 42,953
When adding an AU with Chase I was surprised it didn't ask for a SSN.
Apr 24, 2016, 7:18 pm
#12
Join Date: Dec 2015
Posts: 530
Adding AU without SSN
Basically, I want to add someone as an AU on CSP, let's call him Jean. Jean does not live in US and as such does not have SSN, etc. Jean will be in US in next year or so. Now, I presented chase with this scenario and they said it was fine and asked me for a name so they could send AU card to me.
My question is - how will this factor into Jean's credit score once she enters US?
edit: AFAIK Chase does report AU.
My question is - how will this factor into Jean's credit score once she enters US?
edit: AFAIK Chase does report AU.
Apr 24, 2016, 7:57 pm
#15
FlyerTalk Evangelist
Join Date: Jul 2008
Location: IAH
Programs: DL DM, Hyatt Ist-iest, Stariott Platinum, Hilton Diamond
Posts: 12,790
Not really. My mom's US credit report goes back 15-20 years before she moved to the US due to Amex backdating credit histories and her bringing her Amex Platinum account via Amex Global Transfer.
And my one experience with adding a Chase AU is that it didn't require a SSN. I only did it for the 5k bonus United miles. Granted this was 18 months ago. You could have gotten a card in your dog's name...
And my one experience with adding a Chase AU is that it didn't require a SSN. I only did it for the 5k bonus United miles. Granted this was 18 months ago. You could have gotten a card in your dog's name...
