Can I Build Credit As An Authorized User? – Credit Card Insider

Yes I give my son 4 credit cards authorized user but he doesn’t have credit cards ( lol I have them) now his score is 750 plus….

Hi I have a question would it better to be a authorized user or account manager to help build credit? I want to be able to make payments on my own but I still need the help of someone to build my credit

Audio needs to be better

My mother added me as an AU. Her scores on all three bureaus are above 800. She pays on time all the time and her utilization is definitely below 30%. She added me as an AU on all three cards and she’s had them for about 15 years or more. What can I expect from this? I watched the video just asking.

Hi. Thank you for your advice, and channel. I have a question, I'm on my wife capital one account an as A.U. our limit is $200, as it is new. How long will it report to the bureau for my account to increase (I have no credit, new credit and it was hard for me to get an account because of my gross income). How long before we can increase the amount of the account? And how do we budget around $200?

Is it better to use a secured card to build credit or be an authorized user?????

How many cards can I be a authorizer on 🤷🏾‍♂️ and is there a red flag to creditors that I’m only using family members credit history and not my own .

My mother added me on her chase freedom card as an authorized user but did not ask for my social security number. She has asked if it will report the history they told her no that they don’t do that? Can you be added as au on a chase freedom card or are we not doing or saying something right? What can we do what can we say?

How come i checked my credit score and I didn’t find anything any history of my authorized user account my mom added me on hers she has credit one

I’m 17. My mom has added me as an AU to her credit card. When I turn 18 and open my own secured cc will I have prior credit history to show for from being under her? Also, at this age do I even have a credit score? I have no clue what’s being counted towards me being an AU under her cc.

Which authorized user credit cards report the FULL HISTORY of the primary user to ALL THREE agencies?

As an AU,, What is the average point increase?

Hi a question here, I’m 17 and have been a authorized user of the card for almost 2 years , how would this work what do I do after I turn 18 will I have a credit score ? I don’t completely understand what I need to do to continue having the credit score onto my first actual credit card ?

I am a authorized user on my wife's account Capital One Platinum I wanted to apply for Capital one's Quicksilver would they approve me? Being that am under hers.

Awesome videos! Extremely helpful. I’m very new to building my credit. I had a couple questions regarding an authorized account and building credit.

If I’m on an authorized account for say 1 year, and at the end of the year I want out of their authorized cc , do I lose that entire year of building my credit? What exactly happens to that credit? Also, if I was on an authorized cc would I be able to acquire a secured, or regular cc while I was on an authorized cc account and would it better help to build my credit score if it’s allowed? Is that possible, how would that work?

I honestly have like 100 questions haha so I’m trying to keep them as minimal as possible and most important ones first.

Thank you again for everything 🙏🏼

If I’m an authorized user , will I get my own bill ? Like I only have to pay what I spent on my card , not what the other spent ?

How long do you need to stay as a AU before you can remove yourself without affecting the score improvement you made

Should it be on my credit report, will credit karma display the results of me being authorized user?

How long does it take after u r added for ur score to increase?

i have a question my mom just added me as a authorize user i have no credit as soon as she added me my score went up to 660 does this mean i can apply for a car loan now or is my credit score to new?

Ive been an authorized user of my moms credit card for over 2 years now.
And i still have 0 credit history
No one will give me my own card
So here i am stuck here with no credit
I dont understand why they make it so hard

If I get added to a credit card as a AU will that bring my credit utilization down? For example I get added to a account with a 10k limit will that increase my over all credit availability by 10k driving my credit utilization down assuming it’s a low or no balance on that 10k account.

Can a company deny you being an authorized user due to bad credit?

When the card comes in the mail who will it be addressed to?

very good and informative video

Thank you for this video. One question..

Assuming the primary cardholder has two different cards with two different banks. Let’s say Both banks report the additional user to the credit bureaus. Let’s say both cards are in perfect payment standing, never missed a payment or been late. One card is 6 months old at $5k limit and the other is 3 years old at $500 limit. Both cards are at zero balance. Is there a benefit to the authorized uses of adding the smaller limit, older card ? Or the higher limit, newer card ?

If you are added as a authorized user and leave with a high score, will you still obtain that score from the primary account holder or be left with the same score from when you started ?

Hi there, I'm practically new in the US, no credit history, just starting from scratch. Being an authorized user will help me improve my credit score faster? if the cardholder uses his card close to the credit limit but he is always on time with payments, will this be negative for me anyways?

I've read on some websites that only certain CC companies actually report AU history (along with the primary card holder) to credit bureaus. I have a Barclays LLBean CC. If I were to setup an AU, would Barclay report the AU's history to the bureaus (to help the AU build credit/get credit history)? Barclay also told me that both accounts would come through on the same monthly statement which would have to be paid all at once from the same checking account. That being said, how would the AU's credit history be reported to the bureaus if both accounts are linked to the same statement? Thanks in advance!

I added my 16 yr old as an authorized user on my amex platinum. Will this help him even though he is a minor?

My husband has a line on property, a judgement against him from years ago.. I have great credit.. if I add him on as a user on my credit card can the other card company come back at him or me?

You shouldn't be able to because since it isn't in your name, you aren't responsible.

Does it hurt my credit score if someone adds me as an authorized user but has months that they paid late BEFORE they add me(Given they will be perfect from this point forward)?

If I get added as a authorize user,on my wife account and her score is 838 would my score be around the same too?she have 30 years of credit history or both cards.

My question is when we are both on a account together when is Clooney what we are spending on the cord is it divided separate by each in individual card or is it calculated what we both spend at once

if I was an authorized user and there was negative activity on the account, then the primary acct holder filed bankruptcy can I still get the bad marks off my Report?

My credit history is only 3 years old, if I get added to my fathers 12 year old account increase the age of my credit history?

If I am an authorized user on my fathers credit card account can a potential lended differentiate between this account and one already in my name?

I have a question? If I add a authorize user to my credit, whos credit scores is above 650 but below 700 in afford to raise they credit score. Would it affect mines if they also apply for a new line of credit?

What is the difference between pre-approved, pre-selected, & pre-screened, if any at all?

And will credit card companies still run your credit if you are pre-approved?

- Mihkail

Does this add a "NEW account" on the authorized users credit report? Or just adds to the existing number of accounts?

I have a question that I couldn't find an answer for.. If I am a authorized user on a credit card and the primary user has another or multiple credit cards, do those other credit cards affect the score of the authorized user on the one card? Or is the authorized user only affected by the the one card he or she is attached to? Thanks!

Will adding my self to two different authorized user accounts in good standing with no late payments help or hurt my credit score?
If one of those party's had a student loan on there report would it be a good idea to not become authorized user on there account? Or will it be beneficial to have the two authorized accounts with different people even if they have a student loan with no late payments and no late payments on there credit report?

Amex doesn't report any negative info for authorized users.

I'm an authorized user on a credit card, it shows up on my credit report but when it comes to my credit card utilization I don't get the credit for the $6000 credit limit and the zero balance with Experian, any idea why that is?

question for the au's credit score calculation - would the age of this account be set as the date that the primary user opened or the date the au was added?

Is it possible to get someone as an AU on one of your CC accounts (w/ a low limit for emergency purposes only) if you don't have their SSN, like a good friend but someone who is not normally close enough to usually deal with SSNs (think not spouse but longtime friend you would lend cash to that pays back quickly)? Or does this not compute?

John.... I am making steady progress in rebuilding my credit. I have learned more about "The Authorized User' and the effect it can have to positively impact my credit score. About 8 years ago I lost my job due to being sick with Kidney disease and the bills pilled up, thus crushing my credit. Thinking I was doing the correct thing, I closed numerous credit cards after i paid them off out of my savings. But still the damage was done, yet i did even more damage to my score by closing the accounts and not using any form of credit until October of 2015.

Recently i viewed your above video and it got me thinking. My mom has a score of about 840 when she recently purchased a vehicle and the salesman told my mom that he had never seen a score that high in a very long time. Kinda Cool ... GO MOM !!!

My questions are:
How do I go about being an "authorized user" on my mom's accounts ??
Do I need to have the actual credit card in my possession, even though i don't need to use it ... ever ?? i have my own again.
What information will she need from me ?? ....SSN, ....address, phone # ...etc ??
How many accounts should I become authorized user on in order to help my score and length of history and credit limits ??
What credit cards are best for this 'authorized user' scenario ??
How do I get all THREE credit bureaus to update this information to my credit history ??
Do I leave the accounts from my mom on my credit reports indefinitely ??
My mom uses credit responsibly, so that is not an issue, ..... yet if my mom dies, .... how does that change this ??

thanks for all the videos, .... they do help !!

but if the authorised user has a bad credit score, does that affect your score?