Consider signing family members on
as authorized users in order to squeeze more rewards from your family's monthly spending.
It was common for parents to add their children to their credit card accounts
as authorized users in order to help them establish credit histories.
Not exact matches
Here's a brief refresher of the Chase 5/24 rule: If you have been approved for or been listed
as an
authorized user on five credit cards (personal or business)
in the 24 months, you will need to wait for your oldest card application inquiry to drop off your credit report.
Only
Users of the Service who are Accredited Investors
as defined
in Regulation D Rule 501 adopted pursuant to the Securities Act of 1933 («Accredited Investors») with a valid
User ID and password are
authorized to access such services and web pages.
Their license is very specific about who
authorized users are, exclusivity, and how data products can not be used such
as «
in the pursuit of any contractual or income - generating venture either privately, or under the auspices of the educational institution».
Also,
in connection with the exercise of these rights, you grant us and anyone
authorized by us, the right to identify you
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in the License who have a predetermined and limited list of articles that they seek to text and / or data mine for non-commercial internal research purposes only.
Except
as expressly stated
in this ANNEX A or otherwise permitted
in the License or by other written agreement with the Publisher, Licensee and its
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Authorized Users of the Licensee,
as defined
in the License, may, subject to the restrictions below:
4.3.7 Non-commercial Licensees»
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as the source of the data and to indicate that the results or views expressed are entirely those of the author;
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Users who are not walk -
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users to access the Licensed Materials from places where these
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users perform their work or studies (such
as homes, offices, halls of residence, and student dormitories).
A direct affiliation with the Licensee may include, for example, (a) current employees whether on a permanent, temporary, contract, or visiting basis, but excluding employees at a foreign affiliate or constituent university and (b) individuals who are: (1) officially enrolled
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authorized to use the library network from within the library premises or from such other places where such persons work or study (including but not limited to offices and homes, halls of residence, and student dormitories) and who have been issued by the Licensee with a password or other authentication method for such use of the library network, but (3) excluding students at a foreign affiliate or constituent university; or (c) walk - in users who are permitted to use Licensee's library or information service and permitted to access the library network but only from computer terminals within the Licensee's library premises («Authorized User
authorized to use the library network from within the library premises or from such other places where such persons work or study (including but not limited to offices and homes, halls of residence, and student dormitories) and who have been issued by the Licensee with a password or other authentication method for such use of the library network, but (3) excluding students at a foreign affiliate or constituent university; or (c) walk -
in users who are permitted to use Licensee's library or information service and permitted to access the library network but only from computer terminals within the Licensee's library premises («Authorized Users&raq
users who are permitted to use Licensee's library or information service and permitted to access the library network but only from computer terminals within the Licensee's library premises («
Authorized User
Authorized Users&raq
Users»).
As noted in the Terms of Use, a Registered Accountholder may establish a minor child as an Authorized User for whom such Registered Accountholder is a parent or legal guardia
As noted
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as an
Authorized User for whom such Registered Accountholder is a parent or legal guardian.
(i) grant and assign to HBO a royalty - free, perpetual, non-exclusive, unrestricted, worldwide license
in the
User Content throughout the world including, without limitation, all copyright, together with all consents (if any) necessary to enable its reproduction, distribution, modification, publishing and / or other exploitation by HBO and / or by any person
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in all media now known or hereafter devised,
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as defined
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References
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as well
as all
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As an authorized user of the Formative Assessment for Michigan Educators (FAME) website, I understand any and all materials and resources I access through this website are for my personal use and for use with my Learning Team, as a registered participant in the Formative Assessment for Michigan Educators (FAME) projec
As an
authorized user of the Formative Assessment for Michigan Educators (FAME) website, I understand any and all materials and resources I access through this website are for my personal use and for use with my Learning Team,
as a registered participant in the Formative Assessment for Michigan Educators (FAME) projec
as a registered participant
in the Formative Assessment for Michigan Educators (FAME) project.
Authorized users access finalized QLIKVIEW data,
as it is stored
in system memory, and therefore accessible
as read - only.
Presence of the remote (say,
as in the
user's pocket or purse) has already confirmed that the
user is
authorized.
«Net Purchases» is defined
as the purchase of goods or services (less credits and plus or minus adjustments) made by you and / or your
authorized user (s) on your account after your enrollment
in the Program.
The one hiccup
in his aggressive push for a higher credit score is getting added
as an
authorized user.
Subject to our approval,
in our sole discretion,
as to both number of persons and specific persons requested, you may request
in writing to us to designate certain non-Account holders
as Authorized Users of your Account by issuance of additional card (s)
in the name (s) of such
Authorized User (s).
For example, let's say your mom adds you
as an
authorized user today, and her statement date is
in 3 days.
But I think you may be right
in that it may be set up
as his account with my being an
authorized user or some such setup - much like the difference between both signing a lease or him signing and my being an «
authorized resident».
In addition to pay for removal, Gardner also asked his father to let him sign on
as an
authorized user on one of his credit cards.
Remember, they can make purchases at any time, but they are not directly responsible for making payments on the card, so you'll want to be very careful
in choosing whom to add
as an
authorized user.
As you can see, we found that major issuers are reporting
authorized user activity,
in some form or another, to the credit bureaus.
Will adding someone
as an
authorized user to my credit card hurt my credit score
in any way?
In my last article about adding an
authorized user, I actually did a test case where I added my girlfriend (now fiancee)
as an AU on my Amex Gold card -LSB-...]
They don't even need to give you access to their account, but just listing you
as an
authorized user could accelerate your ability to obtain a credit card
in the future.
These two roles go by many names, such
as primary, applicant, co-applicant and
authorized user, with, interestingly, no uniformly consistent set of terms used by card issuers to describe these two major ways
in which credit accounts are shared.
In your situation, however,
as long
as the ECOA code for the account is properly indicating you
as an
authorized user — not the responsible holder — of the card, all of the information the credit bureaus need to remove the account from your credit reports is contained entirely within those credit reports.
Adding
user to credit card can help boost score
As a recommendation then, why not also add one of your lowly utilized credit cards, assuming you have one, to this
authorized user's credit report and score
in the same way you're adding this American Express charge card?
In a tactic known
as «piggybacking,»
authorized users are added to card accounts for the sole purpose of including an established account with a positive credit history to an otherwise less - than - stellar credit report.
If you do add your son or daughter (or other family member)
as an
authorized user on your credit card, you need to make sure you keep the card
in good standing.
Keeping things simple, however, you'll err on the side of caution by expecting the payment history of an
authorized user card to affect your score just
as if the account were
in your name.
Instead, using and paying off a secured card each month or being added
as an
authorized user to a family member's or friend's credit card
in good standing makes much better sense.
References to www.smartcredit.com, ConsumerDirect and us includes subsidiaries, affiliates, agents, employees, predecessors
in interest, successors, and assigns,
as well
as all
authorized or unauthorized
users or beneficiaries of services under this or prior Agreements between us.
The open date on the
authorized user card,
as with all other accounts on your credit report, will be used
in scoring calculations that measure how long you've been using credit (15 percent of your score), such
as the average age of your accounts and the ages of your newest and oldest accounts — with older always being better.
Despite any trust that you may have
in your former spouse, you should definitely consider removing them
as an
authorized user on any accounts that you own.
Still, adding an
authorized user account to your credit report can help your score, both when the latest FICO models are employed and to a greater degree with the older versions still
in use, such
as in mortgage lending.
Even if the primary card holder won't let you use the card for purchases, you can still improve credit scores
as an
authorized user so long
as the account information is reported to the bureaus and recorded
in your file, and the account is
in good standing.
«Dear Steve, When my son was
in school I added him
as an
authorized user on my Chase Credit card he is now 32 he bought a home and the credit report said he was a cosigner...
To discourage for - profit piggybacking schemes
in which
authorized user trade lines are «sold» to strangers looking to repair their credit, the latest versions of the FICO scoring formula, beginning with the FICO 8 model, provide less of an incentive for exploitation by reducing the positive scoring impact from an
authorized user account than for one held
as the primary account holder, either individually or jointly.
Conversely, if the primary account holder engages
in bad credit behavior, such
as late payments, it will not negatively impact the
authorized user's score.
Even if you've opened zero cards on your own
in the last two years, Chase can still deny you if you've been added to five cards
as an
authorized user.
In the article, I actually did a case study where I added my fiancee
as an
authorized user to my AMEX Gold card and compared her scores and -LSB-...]
You further
authorize your Administrator to add other persons
as users of your Online Banking Services and designate which of your business Accounts they may access and the level of activity
in which they can engage
in such accounts («Sub-
Users»).