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Can someone reviewing my credit report tell if a card is my own account or an AU? Do AU cards show as if it was my own card, or is there some sort of mark that it is an AU account?
They report differently
There is a field *Responsibility* . Your own accounts will report under "Individual", someone's else's account reports as "Authorized User" in that same field.
In a nutshell, anyone looking at your credit report can tell which accounts aren't your responsibility.
There is a field for responsibility next to each account on your credit reports that will display individual or primary (yours), authorized user, or joint account holder. Edit: I typed too slow.