Posts: 17,419
Registered: ‎07-14-2009
Re: Authorized Users and Credit Scoring?

Anonymous001 wrote:

I am pondering adding a relative to a credit card as an AU.  How, if at all, does this impact my or other existing AU's credit score?  Thanks in advance for your expertise!

Hello and welcome to myFICO.


Adding someone to one of your accounts as an AU has no effect on your credit whatsoever as long as they don't have access to a card. But if they happen to charge something and it raises your uitilzation then yes that could have an impact on your credit as well as any other AU's on your account(s). 


So the best thing to do, in my opinion, is to add someone but not allow them any access to a card.