Would getting added as an authorized user hurt me or benefit me in this case?

[Anonymous]

So my credit file is thin(3 cc, an auto loan, and a self lender). My wife has better credit than me, has some cc with low credit utilization, but overall has a high credit utilization rate.

If she added me as an authorized user on one or two of her cards were she has a (good)low credit utilization, would that benefit me or would the credit bureaus look more at her overall high credit utilization and that can potentially harm my credit score?

[Anonymous]

Welcome kikecopr!

No they will only consider the accounts you’re made an authorized user upon.

[Anonymous]

Just make sure she’s never had a late on any account that you’re going to be added to. And make sure it’s always going to have low utilization.

And if any of the accounts are less than a year old, it could cause a temp score drop if you don’t have any under a year old now.

[Girlzilla88]

I wouldn't do it but that is just me

[Anonymous]

Thanks for the input guys. I had my wife add me on two of her cards with 10 years of good credit history so that should help.

[Anonymous]

Let us know the results.