Will it help my credit score to be added to someone... - Building Credit History FAQ


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Credit Card Applications » Questions » FAQs » Building Credit History » Will it help my credit score to be added to someone else’s credit card account?

Will it help my credit score to be added to someone else’s credit card account?

Answered on | Updated on March 19th, 2013
The content is accurate at the time of publication and is subject to change.

The technique of becoming an authorized user on another person’s credit card is a popular way for people to improve their credit scores. It will help your score, but you need to act responsibly when using the card. Spouses, children and parents can benefit from being authorized users.

If you are thinking of asking a spouse or parent to add you to their account so you can piggyback your way to a higher credit score, keep these things in mind:

  • The primary cardholder should have a low debt-to-credit utilization ratio and plenty of available credit.
  • The primary cardholder should make sure their credit score is a minimum of 700 – otherwise, it may not be high enough to boost your credit.
  • The primary cardholder must understand that they will be ultimately liable for any debt the authorized user incurs on their card.

Before you use this technique, think carefully about all the implications and be sure that the primary cardholder understands and is comfortable with the idea of adding an authorized user.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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