Authorized User of a Credit Card

[Anonymous]

My understanding is that an authorized user of a credit card  will appear on the credit report. In looking at a credit report, how does one tell if the person shown is the primary card holder or an authorized user?

[KJinNC]

The account will include information about "user type" (don't remember the exact wording) that will differentiate authorized users from primary users. In FICO 8 scoring, it counts the same as if it was that person's own card. However, if a human lender/loan officer is involved, they will know the difference.

[iv]

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@Anonymous wrote:

My understanding is that an authorized user of a credit card  will appear on the credit report. In looking at a credit report, how does one tell if the person shown is the primary card holder or an authorized user?

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Look at the "Responsibility" field for the card on the report.

It can be "Individual", "Joint", or "Authorized User".

[iv]

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@KJinNC wrote:

In FICO 8 scoring, it counts the same as if it was that person's own card.

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Not necessarily.

In FICO versions OLDER than FICO 8, that's always true.

In FICO 8 and 9, Authorized User accounts may or may not count at all.  It depends on if FICO's hidden anti-abuse rules for tradeline sharing/sales have kicked in for that report/tradeline.  And there's no direct way to see if that's happened.