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Authorized user

Established Member

Authorized user

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
Message 1 of 3
Frequent Contributor

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)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
Message 2 of 3
Established Contributor

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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Message 3 of 3