Re: Authorized user on a card has massively dropped my credit. Can I contest it?
Hi and welcome
Being an AU is like a double-edged sword. On the positive side you get to use another’s credit card with no legal obligation to repay and it helps your scores if UT is low; but on the negative side, you may be hit with a score drop if UT is high or Gawd-forbid a payment is missed.
In your scenario, you have no worries because scores have no memory. Since the huge balance was PIF, your scores will rebound.
You asked if there’s anything you can do. Nothing in this particular instance. But if it becomes an ongoing concern—the drastic ups and downs of your friend’s CC UT—you could have yourself removed as an AU and open your own card.
DEC 2019: EX 816, TU 820, EQ 810 DEC 2018: EX 777, TU 783, EQ 799