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Posts: 1
Registered: ‎08-26-2013

Authorized User and Credit History

[ Edited ]


Please forgive me if this is an elementary question, but I am trying to understand credit (as this is my first post). I am trying to help my 18 year old brother build his credit score. Recently, my mother was approved for an American Express Blue Sky card (with a 25,000 dollar credit limit) and added my brother as an Authorized User. When she put my brother down, American Express took his social security number, etc. My question is, will this card show up on his credit report? Or should he get his own card to build a history with? Please advise- thanks for your time!

Established Contributor
Posts: 648
Registered: ‎03-07-2013

Re: Authorized User and Credit History

It will report to his credit report on his credit report and yes he will get his own card but at your mother discretion if he gets to use it.
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Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012

Re: Authorized User and Credit History

Make sure to create an online ID with Amex for your brother so to guarantee that his member date gets locked in.

Senior Contributor
Posts: 3,947
Registered: ‎10-02-2012

Re: Authorized User and Credit History

It will also report as Authorizedd User,

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(EQ FICO 614) (EX FICO 631) (TU FICO 628) Gardening Since 08/15/15 For All 3 Credit Bureaus
Posts: 27,207
Registered: ‎09-13-2012

Re: Authorized User and Credit History

Welcome to the forum! Please feel free to ask questions. Your DM can set spending limit on the cc if she chooses. Like the others have mentioned, this is an excellent way to establish his cr.
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