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Can my credit score increase by being an authorized user on someone else’s credit card? I heard good things and bad things about it??
THANKS
@goalsnine wrote:Can my credit score increase by being an authorized user on someone else’s credit card? I heard good things and bad things about it??
THANKS
Hello and welcome to the Forums.
Yes it can help you IF the account is older than any of yours, IF the payment history is long and clean, IF the utilization is very low, and IF it will report to the CRA's. Not all cards will do this. You need to ask the company first. You will inherit the entire history of this account. One caveat however; if this account starts to go south your credit will be affected as well. Keep that in mind.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".