Author Topic: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig  (Read 444533 times)

ditkanate

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The old tradeline company is looking for more cards.
...
Disclaimer: I will get a referral commission when you sell AU spots, but you will get paid the same whether you use my referral or not--it will not reduce your payment to have me as the referral, and for this month, you'll make $150 more than you would otherwise due to the signup bonus.

The old company shows the commission amount / date to be paid.  Is this supposed to include the referral bonus?  Mine only shows the base amount for the card issuer/limit.

Full payment received in addition to the referral bonus - and right on time no less!  I think I shall be dropping the new company.

I received the bonus today but not the payment for an add which shows as paid today. So maybe it will hit my account tomorrow.

I received the total for 2 adds and the bonus today all as one payment.  I'm impressed with the "old" company so far. 

sol

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I received the total for 2 adds and the bonus today all as one payment.  I'm impressed with the "old" company so far.

It's a sign of how far we've come that paying the correct amount at the agreed upon time counts as impressive improvement.

ditkanate

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I received the total for 2 adds and the bonus today all as one payment.  I'm impressed with the "old" company so far.

It's a sign of how far we've come that paying the correct amount at the agreed upon time counts as impressive improvement.

Indeed it is a low bar.  But after only having dealt with the "new" company until now, this feels like a breath of fresh air.

sol

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I received the total for 2 adds and the bonus today all as one payment.  I'm impressed with the "old" company so far.

It's a sign of how far we've come that paying the correct amount at the agreed upon time counts as impressive improvement.

Indeed it is a low bar.  But after only having dealt with the "new" company until now, this feels like a breath of fresh air.

Hey I'm right there with you, bud.  We switched our cards too, and are much happier.

Irinas

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is there anyone on here who is selling tradelines on a particular card for over 2 years and having them not shut down? i wonder what is a typical lifespan of a tradeline with a carefull piggybacking strategy
« Last Edit: May 31, 2018, 06:05:10 PM by Irinas »

katsiki

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is there anyone on here who is selling tradelines on a particular card for over 2 years and having them not shut down? i wonder what is a typical lifespan of a tradeline with a carefull piggybacking strategy

I have about 30 AUs sold on a barclays card.  It has been almost 2 years.  So far, so good.  Does that help you?

NAEByrd85

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I added an authorized user (through the "new" company) to my Capital One card back in Feb. Now Capital One has frozen the account and opened a case. They want the drivers license and SSN of the user. Has anyone else experienced this with Capital One? Or is the user I added likely illegit?


BikeFanatic

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Capitol ONE has done that before to others. My account is in restricted status after abouit six total AU adds, 2 at a time, for last six months.  I have not called them to ask why, I assume they want info on the AU's

meatgrinder

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Citi's site doesn't let me add the SS# online so I have to call, and the calls to them generally suck and take forever.  I tried adding online once but the AU didn't post since I didn't add the social.

For Citi, after the AU has been added online, I've been submitting the AUs SSN through the secure contact us link and its worked fine so far. Have not had to call in yet after 15 or so AU aDDS.

monarda

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Got my first sale from the old company, for a card I transferred from the new company, that had 6 sales on it in 2017.  Today I got a letter from US Bank. The card is now "restricted". I haven't called them yet. I'm interpreting that meaning no more AUs can be added to that card, but I'm not sure what happens to the AU I just added. And whether or not I can use the card for small purchases anymore.  I sent a copy of the letter to the old company today, no response yet. I have a balance on the card that I'll pay down slowly. Hopefully I can get that card reinstated eventually. But that one is done for tradelines.

Anyone else get a letter from US Bank?

MasterStache

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I received the total for 2 adds and the bonus today all as one payment.  I'm impressed with the "old" company so far.

It's a sign of how far we've come that paying the correct amount at the agreed upon time counts as impressive improvement.

Indeed it is a low bar.  But after only having dealt with the "new" company until now, this feels like a breath of fresh air.

Hey I'm right there with you, bud.  We switched our cards too, and are much happier.

Yeah, it's nice to work with an efficient and competent company.

BikeFanatic

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Got my first sale from the old company, for a card I transferred from the new company, that had 6 sales on it in 2017.  Today I got a letter from US Bank. The card is now "restricted". I haven't called them yet. I'm interpreting that meaning no more AUs can be added to that card, but I'm not sure what happens to the AU I just added. And whether or not I can use the card for small purchases anymore.  I sent a copy of the letter to the old company today, no response yet. I have a balance on the card that I'll pay down slowly. Hopefully I can get that card reinstated eventually. But that one is done for tradelines.

I had that situation with Capitol one. I did as you did, pay it off slowly so that the tradeline AU on there can have success, and I would get paid. Even with my card in restricted status, my AU posted OK. I paid the minimum for those two months. I never contacted them to see what was up.

topshot

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I paid the minimum for those two months.
You felt paying interest would look less suspicious?

DavidAnnArbor

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Citi's site doesn't let me add the SS# online so I have to call, and the calls to them generally suck and take forever.  I tried adding online once but the AU didn't post since I didn't add the social.

For Citi, after the AU has been added online, I've been submitting the AUs SSN through the secure contact us link and its worked fine so far. Have not had to call in yet after 15 or so AU aDDS.

How do you draft an online message to let them know you want to add the SSN with the Authorized User?

frugalnacho

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Citi's site doesn't let me add the SS# online so I have to call, and the calls to them generally suck and take forever.  I tried adding online once but the AU didn't post since I didn't add the social.

For Citi, after the AU has been added online, I've been submitting the AUs SSN through the secure contact us link and its worked fine so far. Have not had to call in yet after 15 or so AU aDDS.

How do you draft an online message to let them know you want to add the SSN with the Authorized User?

OMG this would make the process infinitely more efficient with citi.

beekayworld

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For Citi, after the AU has been added online, I've been submitting the AUs SSN through the secure contact us link and its worked fine so far. Have not had to call in yet after 15 or so AU aDDS.

This is a great idea! Then I can be sure they spell the name correctly as well.

beekayworld

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How do you draft an online message to let them know you want to add the SSN with the Authorized User?

Two methods:
Under "Services" select "Statements & Documents". From that page click "View Secure Message Center."

Or, on the front page at the very bottom in the black area with all of the categories, under the "Help & Support" choices, select "Contact us." On the next page, at the bottom on a white background is "Read messages from secure message center." (In spite of it's name, it allows you to send, not just read.)

frugalnacho

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How quickly do you add AU?  I got an email monday evening saying I had new AU to add, but I didn't have time to log in and get the info and call yet.  I got an email from TL company today asking if they were added saying there were due by 5/21 (the night I got the notification).  Now I'm ready to add them, but the email made it sound like if they weren't added by 5/21 she had to replace them, so I don't know if I should go ahead and add them or if she's going to move them to another card.  This card has been filling up consistently and I just removed 2 AU last week, so I expect I'd get another 2 slots right away.

Do you jump on adding AU immediately? What's a reasonable time frame to get them added?  I feel like it often takes a week or so to show up after adding them anyway.

Well apparently if you don't add them by the due date you don't get paid.  So I got 6 hours notice to add them (got emails at 5:29 PM and 5:48PM on 5/21 that were apparently due to add by 5/21).  Since I added them late (48 hours after notified) I got to take all the risk of adding weird names to my card, used up my 2 slots (since it's suspicious to remove AU so quickly I've been instructed to leave them), got to sit on the phone with citi for 20 minutes, and I don't get paid.  wtf new company?

Now I have in my tasks to remove both AU 2 months after I added them (plus a couple extra days for some reason), so they will come off just after my July statement posts, which means the next AU that gets added will actually post August 22.  Since I'm not getting paid, what's the risk in removing them early?  Is removing them after 2 weeks (and moving the card to the old company) really going to look more suspicious than me adding/removing 2 random names every 2 months?  I could get a full cycle of 2 new AU on in the meantime rather than letting the current ones get 2 credit report postings for free.   Or should I just ride it out? 

EDIT:

How long does it take for the tradeline companies to vet potential AU?  Last cycle I ran into the same situation where I was notified just before closing date, and I had to call citi 3 times to get them added.  When I looked on my portal it showed that each AU purchased the tradeline 2-3 weeks prior, but I wasn't notified until just before closing, and when I inquired why I was told that it takes them a bit of time to verify the AU and they didn't want to jump the gun until they properly vetted them.  Seemed funny to me that both cleared the process just a day or so before I needed to add them.  This cycle one of the AU shows a purchase date the same day I was notified to add.  How do some of them apparently take 2-3 weeks to verify, but this one got same day approval?
« Last Edit: June 01, 2018, 11:32:16 AM by frugalnacho »

ditkanate

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Anyone had their US Bank card shut down before?  Had 2 sales from the "old" company last month, after many months of no activity from the "new" company.  Today I got an email from Netflix to update my payment details.  I'd been charging Netflix to my US Bank card for the nominal tradeline activity.  I updated the card details with Netflix but still kept getting an error message.  Now I log in to my US Bank account online and there aren't any accounts listed.  I'm assuming it's a shutdown? 

Kinda sucks, actually got sales for once and kapow.  No more.  :(

Received the letter today and I quote:

"Dear CARDHOLDER NAME: (that's not me protecting my identity, that's actually what it says on the letter)

The overall credit performance of our cardmembers is periodically reviewed.  As a result of a recent review your account has been restricted effective immediately.  Our decision was based on the following principal reason(s):

    -    The pattern of adding and removing authorized users on your account(s) poses a risk to the bank. 

if you have any questions about this decision, you can speak with one of our Credit Specialists blah blah blah blah.

Sincerely,
Risk Department"

DavidAnnArbor

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How do you draft an online message to let them know you want to add the SSN with the Authorized User?

Two methods:
Under "Services" select "Statements & Documents". From that page click "View Secure Message Center."

Or, on the front page at the very bottom in the black area with all of the categories, under the "Help & Support" choices, select "Contact us." On the next page, at the bottom on a white background is "Read messages from secure message center." (In spite of it's name, it allows you to send, not just read.)

My question is not how to send receive emails, but what are you going to state in this email to them?  "Include the social security number for the authorized user for this card" 

lmf

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Anyone had their US Bank card shut down before?  Had 2 sales from the "old" company last month, after many months of no activity from the "new" company.  Today I got an email from Netflix to update my payment details.  I'd been charging Netflix to my US Bank card for the nominal tradeline activity.  I updated the card details with Netflix but still kept getting an error message.  Now I log in to my US Bank account online and there aren't any accounts listed.  I'm assuming it's a shutdown? 

Kinda sucks, actually got sales for once and kapow.  No more.  :(


Received the letter today and I quote:

"Dear CARDHOLDER NAME: (that's not me protecting my identity, that's actually what it says on the letter)

The overall credit performance of our cardmembers is periodically reviewed.  As a result of a recent review your account has been restricted effective immediately.  Our decision was based on the following principal reason(s):

    -    The pattern of adding and removing authorized users on your account(s) poses a risk to the bank. 

if you have any questions about this decision, you can speak with one of our Credit Specialists blah blah blah blah.

Sincerely,
Risk Department"

I just got the exact same letter.  Same scenario as you.  I added two AUs with the old company after many months of no activity with the new company and now my account is restricted.  Apparently US Bank is cracking down.

dragoncar

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Anyone had their US Bank card shut down before?  Had 2 sales from the "old" company last month, after many months of no activity from the "new" company.  Today I got an email from Netflix to update my payment details.  I'd been charging Netflix to my US Bank card for the nominal tradeline activity.  I updated the card details with Netflix but still kept getting an error message.  Now I log in to my US Bank account online and there aren't any accounts listed.  I'm assuming it's a shutdown? 

Kinda sucks, actually got sales for once and kapow.  No more.  :(


Received the letter today and I quote:

"Dear CARDHOLDER NAME: (that's not me protecting my identity, that's actually what it says on the letter)

The overall credit performance of our cardmembers is periodically reviewed.  As a result of a recent review your account has been restricted effective immediately.  Our decision was based on the following principal reason(s):

    -    The pattern of adding and removing authorized users on your account(s) poses a risk to the bank. 

if you have any questions about this decision, you can speak with one of our Credit Specialists blah blah blah blah.

Sincerely,
Risk Department"

I just got the exact same letter.  Same scenario as you.  I added two AUs with the old company after many months of no activity with the new company and now my account is restricted.  Apparently US Bank is cracking down.

Wow, that sounds awfully specific.  Nothing like "unable to service your needs"

BikeFanatic

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I paid the minimum for those two months.
You felt paying interest would look less suspicious?

NO, Once Cap One placed me on restricted status,  I was not able to add AU, however the ones on there still posted. I paid the minimum to make my small balance last 3 months, in that way I am assured the AU will post adn I will get paid for those two. But now we are done - unable to add any more AU.

meatgrinder

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How do you draft an online message to let them know you want to add the SSN with the Authorized User?

Two methods:
Under "Services" select "Statements & Documents". From that page click "View Secure Message Center."

Or, on the front page at the very bottom in the black area with all of the categories, under the "Help & Support" choices, select "Contact us." On the next page, at the bottom on a white background is "Read messages from secure message center." (In spite of it's name, it allows you to send, not just read.)

My question is not how to send receive emails, but what are you going to state in this email to them?  "Include the social security number for the authorized user for this card"

I tell them "Please add SSN # xxx-xx-xxxx for authorized user Joe schmoe".  The card number referenced is already selected in the secure message center.

frugalnacho

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Wow, that sounds awfully specific.  Nothing like "unable to service your needs"

Maybe they had a run in with @PointsLawyer and decided to get specific.

DavidAnnArbor

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How do you draft an online message to let them know you want to add the SSN with the Authorized User?

Two methods:
Under "Services" select "Statements & Documents". From that page click "View Secure Message Center."

Or, on the front page at the very bottom in the black area with all of the categories, under the "Help & Support" choices, select "Contact us." On the next page, at the bottom on a white background is "Read messages from secure message center." (In spite of it's name, it allows you to send, not just read.)

My question is not how to send receive emails, but what are you going to state in this email to them?  "Include the social security number for the authorized user for this card"

I tell them "Please add SSN # xxx-xx-xxxx for authorized user Joe schmoe".  The card number referenced is already selected in the secure message center.

Thanks

MasterStache

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First Discover, now US Bank? And possibly Cap One? Seems the well is drying up. I wonder who is next.

secondcor521

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Anyone had their US Bank card shut down before?  Had 2 sales from the "old" company last month, after many months of no activity from the "new" company.  Today I got an email from Netflix to update my payment details.  I'd been charging Netflix to my US Bank card for the nominal tradeline activity.  I updated the card details with Netflix but still kept getting an error message.  Now I log in to my US Bank account online and there aren't any accounts listed.  I'm assuming it's a shutdown? 

Kinda sucks, actually got sales for once and kapow.  No more.  :(

Received the letter today and I quote:

"Dear CARDHOLDER NAME: (that's not me protecting my identity, that's actually what it says on the letter)

The overall credit performance of our cardmembers is periodically reviewed.  As a result of a recent review your account has been restricted effective immediately.  Our decision was based on the following principal reason(s):

    -    The pattern of adding and removing authorized users on your account(s) poses a risk to the bank. 

if you have any questions about this decision, you can speak with one of our Credit Specialists blah blah blah blah.

Sincerely,
Risk Department"

Despite me crowing upthread that I hadn't been affected with my USBank cards, I got two letters in the mail today from USBank dated 5/30.

A couple of data points:

I actually have three USBank cards listed with New Company and only received letters on two of them.  Since the beginning of 2017, one had 6 AUs, one had 8 AUs, and one had 1 AU.  So it may be that one can continue to milk things at a lower rate.  Or it could be that more than X AUs will get you selected.

The letter didn't actually restrict my accounts, it just warned me that they might restrict my account at some future point if they "continue to notice a patter of activity that poses risk to you or to the bank it may result in closure to further transactions."

One of the things I think would be valuable in this thread is if people start to post more data points about adverse action and things they have done that have resolved the adverse action, and/or data points so people can start to figure out what triggers adverse action and what doesn't.

ditkanate

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For my US Bank card I had originally listed it with the "new" company. 

Had 4 sales in 2017:
1 in May 2017
2 in June 2017
1 in Oct 2017

Didn't see any sales for a while so moved it over to the "old" company when ARS posted the referral bonus from them. 

Got 2 sales right away in April. 

Had my account restricted in late may. Haven't done anything to remedy it and likely won't any time soon. 

Padonak

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For my US Bank card I had originally listed it with the "new" company. 

Had 4 sales in 2017:
1 in May 2017
2 in June 2017
1 in Oct 2017

Didn't see any sales for a while so moved it over to the "old" company when ARS posted the referral bonus from them. 

Got 2 sales right away in April. 

Had my account restricted in late may. Haven't done anything to remedy it and likely won't any time soon.

Btw am i the only one who gets almost no sales with the "new" company? I got only one sale this year. I always registered AUs on time but refused to register one or two because they were too risky.

monarda

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Those of you who are 'restricted' on US Bank, have you tried making small purchases since the letter arrived? I haven't yet, but am wondering exactly what 'restricted' means.

Car Jack

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Btw am i the only one who gets almost no sales with the "new" company? I got only one sale this year. I always registered AUs on time but refused to register one or two because they were too risky.

<raises hand>

Yah, I'm with new and old company now.  No AUs for as long as I can remember.  I gotta think there are so many Mustachians signed up that I'm being squeezed out.  I've already moved the payout down a level with the new company, thinking that would make my cards more attractive.  I guess not.

ditkanate

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Those of you who are 'restricted' on US Bank, have you tried making small purchases since the letter arrived? I haven't yet, but am wondering exactly what 'restricted' means.

I found out about my restriction before the letter arrived because my Netflix payment wouldn't go through.  When I log in to US Bank online my credit card doesn't show up under my accounts at all.  It's like the card doesn't exist. 

I'm wondering if the AU's that are one there will stay listed on there indefinitely... and if so will that continue to help them, or do restricted cards not get reported to the credit bureaus?

hay_otsuka

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My credit is available again and letter I received seems to be a warning rather than a closure so maybe I escaped but obviously will be resting this card for a while
Those of you who are 'restricted' on US Bank, have you tried making small purchases since the letter arrived? I haven't yet, but am wondering exactly what 'restricted' means.

I found out about my restriction before the letter arrived because my Netflix payment wouldn't go through.  When I log in to US Bank online my credit card doesn't show up under my accounts at all.  It's like the card doesn't exist. 

I'm wondering if the AU's that are one there will stay listed on there indefinitely... and if so will that continue to help them, or do restricted cards not get reported to the credit bureaus?

Sent from my Nexus 6P using Tapatalk


frozen

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I received 2 identical  copies of the US Bank warning letter as well. Iím putting them on hold.

secondcor521

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I received 2 identical  copies of the US Bank warning letter as well. Iím putting them on hold.

They might be for different accounts.  Check the "Account ending in" line at the top above "Dear CARDHOLDER NAME".

I've been mulling over what to do and I think I may add one more AU to each one and then put them on hold.

Richie Poor

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Those of you who are 'restricted' on US Bank, have you tried making small purchases since the letter arrived? I haven't yet, but am wondering exactly what 'restricted' means.

I'm wondering if the AU's that are one there will stay listed on there indefinitely... and if so will that continue to help them, or do restricted cards not get reported to the credit bureaus?

If there is no balance on the card then it would not get reported to the bureaus. Since you can't add to the balance it would be tough to maintain a balance indefinitely.

I'm curious if the companies will stop accepting cards from the Discover, BofA, and US Bank since the card closures are ramping up or if they think it will be just a cyclical audit. I have a US Bank card that will mature next year and would like to enroll it eventually even if the card gets shut down.

solon

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True story.

Back in November 2017 I purchased a tradeline. I wanted to see how the process works, etc. It wasn't the new company or the old company. It's another company that I'll call BMS.

The tradeline is guaranteed to stay on the credit report for 60 days. When I checked my report today, it was still there - 6 months later. I called BMS to ask about their process. The cardholder has officially removed me from his/her card, it's just up to the bank how long the account stays on my report. The rep I spoke to actually bragged that they've seen accounts stay on reports 5 years after they are removed.

Moral: if you're selling tradelines, potentially LOTS of people have your account on their reports.

Fun fact: this cardholder has been charging $2/month, just like the advice given on this thread. Which one of you am I piggybacking on?!

hgjjgkj

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True story.

Back in November 2017 I purchased a tradeline. I wanted to see how the process works, etc. It wasn't the new company or the old company. It's another company that I'll call BMS.

The tradeline is guaranteed to stay on the credit report for 60 days. When I checked my report today, it was still there - 6 months later. I called BMS to ask about their process. The cardholder has officially removed me from his/her card, it's just up to the bank how long the account stays on my report. The rep I spoke to actually bragged that they've seen accounts stay on reports 5 years after they are removed.

Moral: if you're selling tradelines, potentially LOTS of people have your account on their reports.

Fun fact: this cardholder has been charging $2/month, just like the advice given on this thread. Which one of you am I piggybacking on?!

By "have your account on their reports" what does this mean? SSN? Full CC Numbers?

katsiki

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True story.

Back in November 2017 I purchased a tradeline. I wanted to see how the process works, etc. It wasn't the new company or the old company. It's another company that I'll call BMS.

The tradeline is guaranteed to stay on the credit report for 60 days. When I checked my report today, it was still there - 6 months later. I called BMS to ask about their process. The cardholder has officially removed me from his/her card, it's just up to the bank how long the account stays on my report. The rep I spoke to actually bragged that they've seen accounts stay on reports 5 years after they are removed.

Moral: if you're selling tradelines, potentially LOTS of people have your account on their reports.

Fun fact: this cardholder has been charging $2/month, just like the advice given on this thread. Which one of you am I piggybacking on?!

This matches my accidential AU story...  Mother put me on a store card unbeknownst to me.  When I noticed it, I asked her about it and she removed me from the account.  At least 2 years later, it is still reporting.  I could dispute it to have it removed but there is no reason in this case.

Next poster...  it just shows as an account on their report.  None of your personal info is there...  I forget the verbiage exactly.  It would appear similar to their own or a joint card.

boarder42

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Citi cards are dropping like flies - not a huge loss but sucks the income isnt there - it was a pain to call in each month to add users on those cards - guess i'll just churn them.

solon

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All of my credit cards (both mine and the tradeline I bought) show the first 6 digits of the CC number on my credit report. No other personally identifying information. In fact, since I have more than one card from a couple banks, sometimes it takes a minute to figure out which is which. (For example, I have several Citi cards, but they all just show up as "Citibank", and I have to look at the opening dates to figure out which is which.)

erutio

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Citi cards are dropping like flies - not a huge loss but sucks the income isnt there - it was a pain to call in each month to add users on those cards - guess i'll just churn them.

@boarder42 Which citi cards are you getting closed down?

boarder42

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Citi cards are dropping like flies - not a huge loss but sucks the income isnt there - it was a pain to call in each month to add users on those cards - guess i'll just churn them.

@boarder42 Which citi cards are you getting closed down?

friends have had all sorts closed down i personally had the AA platinum closed.

chuckster

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I had a Citi add today, and when I called it in I got sent to the Fraud Dept., but they only wanted to text me a verification code to my cell phone before completing the add.


A data point I've noticed with the new company is that on one of my cards, I mostly get AU requests from people who live within like 20 miles of me. I live in a major city with a significant immigrant population, I wonder if it is just coincidence, or, if they're keeping it to locals to make it seem like it's people I might reasonably know. 9 times out of 10, AUs on that card have been from addresses I might actually have driven past on my way to work. 

missundecided

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A data point I've noticed with the new company is that on one of my cards, I mostly get AU requests from people who live within like 20 miles of me. I live in a major city with a significant immigrant population, I wonder if it is just coincidence, or, if they're keeping it to locals to make it seem like it's people I might reasonably know. 9 times out of 10, AUs on that card have been from addresses I might actually have driven past on my way to work.

Same for me with new company when I got orders from them.

chuckster

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A data point I've noticed with the new company is that on one of my cards, I mostly get AU requests from people who live within like 20 miles of me. I live in a major city with a significant immigrant population, I wonder if it is just coincidence, or, if they're keeping it to locals to make it seem like it's people I might reasonably know. 9 times out of 10, AUs on that card have been from addresses I might actually have driven past on my way to work.

Same for me with new company when I got orders from them.

 
That may explain why some of us are getting more AU requests than others

ditkanate

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    • ditka's dumb journal
I'm in the Midwest and the majority of my adds are California, a few Arizona and Texas.

Car Jack

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A data point I've noticed with the new company is that on one of my cards, I mostly get AU requests from people who live within like 20 miles of me. I live in a major city with a significant immigrant population, I wonder if it is just coincidence, or, if they're keeping it to locals to make it seem like it's people I might reasonably know. 9 times out of 10, AUs on that card have been from addresses I might actually have driven past on my way to work.

You should stop on your way in, get out of the car and yell at the building "YOU'RE WELCOME!".

flashflooder

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I'm on the East coast and almost all of my adds are from CA.