Does Citi report au...
 

Does Citi report authorized users to credit bureaus?  

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 Saul
(@saul)
Active Member
Joined: 3 years ago
Posts: 8
14/02/2017 8:11 am  

Hi to all members of this community! I have a question for you. I am currently considering to open an account at Citi Bank, I am not sure yet which particular card to choose, they have so many, but lots of people told me it’s a good bank so I’m seriously thinking to do this. I am curious though, is this bank reporting its authorized users to credit bureaus?  


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(@ellery3)
Active Member
Joined: 3 years ago
Posts: 5
15/02/2017 9:30 am  

I think all or at least most of the banks do this…

 


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(@micah17)
New Member
Joined: 3 years ago
Posts: 4
02/03/2017 10:02 am  

 No, I don’t think this is the case. As far as I know only the main account holder’s files go to credit bureaus. Regarding other authorized users, I think they only have access to their names and addresses, not also to their credit histories…But still, this might depend from bank to bank, I am not sure what is Citi Bank’s policy. You’d better ask them before opening an account.

 


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(@lester12)
Active Member
Joined: 3 years ago
Posts: 6
16/03/2017 5:59 am  

 I know for sure that Amex and Chase send reports to credit bureaus regarding authorized users too, but I am not completely sure about Citi.

I think that if during the application process for the card you will be asked to add the authorized users’ social security numbers, they will be reported to credit bureaus.


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(@milly21)
Active Member
Joined: 3 years ago
Posts: 5
17/03/2017 5:15 am  

Yes, I heard that recently Citi Bank also reports authorized users. But that’s a very good thing, since it can also help them build their credit scores etc., right? In the end, you and your authorized users can help one another boost your scores


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 Saul
(@saul)
Active Member
Joined: 3 years ago
Posts: 8
17/03/2017 5:21 am  

Definitely, I would like to add my wife as an authorized user, who previously had a worse credit history than me, so I hope to be able to help her improve it, that’s why I asked this question. I heard that many banks don’t offer this opportunity, but I’m very happy Citi does. Hopefully soon her credit score will rise.

 

Thanks all for your answers, I’ll apply today.


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