Will Being an Authorized User on a Credit Card Improve Your Credit Score?

In order to do things like borrowing money you must have a good credit score. Being an authorized user on a credit card can help improve your credit score.

Below, you can find out whether or not being an authorized user on a credit card improve your credit score.

Why Become an Authorized User

Before becoming an authorized user you should know what becoming an authorized user is. An authorized user is a person who is added on to an account of someone with credit card already.

This allows the existing credit information to be reported under your name and build your credit score. Some other reasons to become an authorized user is:

• Raises Credit Score:
  • Using someone else’s credit account allows you to start with a better credit advantage and as long as you pay your bills on time your score will continue to go up.
• Instantly Has Credit Score:
  • Instead of having to build up a credit score over time you start ahead.
• Not Responsible for Account Activity:
  • You are not liable for any charges or negative balances, you will not be required to cover payments owed.
  • You can also remove your name from the account on your own discretion.

How Adding Authorized Users Affect You

As a primary card holder you should also be aware of the affects on your account:

• Primary Account Holder is Responsible:
  • Authorized credit user are not liable for any charges on the account, as the account holder you are liable for all legal responsibilities.
• Authorized Credit Score is Affected By You:
  • If you fall behind on payments or maxed out your credit cards your authorized users will also be impacted.

Tips for Authorizing Users

Here are some tips to best manage your authorized users:

• Make a payment strategy
• Use a low maintenance account
• Allow authorized user by proxy
• Transition from authorized user to official card holder

Author’s Verdict

Being an authorized user on a credit card can provided plenty of benefits if you do it right!

Hopefully the above information helps you understand how to best be an authorized user on a credit card.

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