Established Member
Posts: 18
Registered: ‎03-10-2008

Authorized user

[ Edited ]

I am an authorized user of a credi card, if the main user defalts on the cc, can I be held responsible for the debt? The cc company does not have my ss number. I need to know for this individual is in bad money shape.


Message Edited by Scamp on 12-20-2008 11:32 AM
Frequent Contributor
Posts: 443
Registered: ‎03-22-2008

Re: Authirized user

No.  It is somewhere in the written contract that the account holder is responsible for all purchases made.

TU (5/14/14): 796 (Inquiries; 8/23/13)
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Established Contributor
Posts: 640
Registered: ‎09-02-2008

Re: Authirized user

If you are an AU on the account of someone who is in bad $$ shape I would recommend getting removed ASAP. While you are not responsible for the debt incurred any delinquencies on the account will have an effect (negative) on your credit score.
TU 810: EQ 813: EX 814 (9/16/09--Loan officer pull)

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