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Does being an authorized user on a CC do anything to your score if that card has good history and has been established for a while?
@Anonymous wrote:Does being an authorized user on a CC do anything to your score if that card has good history and has been established for a while?
That depends if the CC issuer reports AU's.
If the card reports AU's you will receive all the history from the card no matter if it is good or bad history. If the account has all good history it should help improve your credit profile. If the account has any negative information it will more then likely hurt your credit profile.
Also if it reports it can change your AAoA depending on how old the account is compared to what you presently have on your credit profile.
i'm an "authorized user" on a few of my parents cards. sometimes it shows as me owning the card though. likely because me and my dad share the same name. once i was asked how i opened a card three years before i was born.
anyway, for me i think it has helped. the payment history is perfect and the credit limits are large. but if the company does a manual review they may see that the card is in fact not yours. personally i wouldn't like being an authorized user to influence anything. it doesn't show my creditworthiness at all.
one company said that the authorized user history didn't count, although they also said that having a store card for two years was also useless and it was like i had no history at all
Ok thank you!