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Are their any credit score effects (for you or the person you're authorizing) when you add somebody as an authorized user?
Yes. I am 20 years old and have been piggybacking with my grandmother since 2007 and was able to get the three cards under my name in my signature below because of that. Any card you add a person to, it will be copied onto their report as if they were the account holder. Their score will adjust accordingly.
It goes both ways though: being authorized on a card with a bad history, will in turn give that person a bad credit report and score.
TU: 818 EX: 809 EQ: 801
Thanks for the info! More specifically, anybody know about Chase cards?
Sorry, wasn't very specific
If I have an authorized user on my CSP anybody know if this will affect their credit score? I don't recall entering any information other than name so I'm not really sure how it would be linked.
Ah, I didn't realize there were so many variables.
Basically, I guess I was just wondering whether having my GF as an authorized user would help her to get a card. She's been declined in the past, most recently a few months ago. Then again, my credit history isn't very long so it probably isn't helping her that much if at all.
it will help you increase your score and it show to all 3credit report,but it will add to your dti as well when I was buying a house its gave me set back to get more pre qual coz It show I owe more money as an au.you can have it remove too by call the credit b .