Authorized User on a credit card account

[JelloShotGirl 0]

i work for a US credit card issuing bank- technically authorized users do not report to credit bureaus. The auth user has a card in their name and is not financially responsible for the charges. if 2 people on account are co-applicants they both report to the bureau. However there is gray area cause a lot of auth users names end up on the credit reports, some banks are now reporting auth user spouse to the credit bureau.

[meauxna 15]

Adding him as an authorized user most definitely worked for my spouse; he got a killer credit score in a short time and he did nothing additional. Just added him as an auth. user.

(citibank visa card)

[together2love 0]

Yes, my husband added me as an authorized user on his capital one card and he asked if this would eventually increase my own credit score and they said that it definetly would. So I guess capital one does it.

[eau_xplain 2]

Same for me. My husband added me as authorized user on his credit cards and they all showed up in my credit report. After just one year of being an authorized user, I started getting credit card offers in my own name.

[CarolineM 0]

Same here! WE added him to mine and his credit is AWESOME. ALSO...I strongly recommend a SECURED credit card. You put down 500 bucks...and that's your limit...but as long as you use it, and pay it off each time, it REALLY helped stew's credit! He now has an Amex with a higher limit than my cards!

[john_and_marlene 162]

Marlene and I were married in December 2005. I added her as an authorized user on my credit card in January 2006. We went to buy a new car jointly in September 2006 and they did credit checks on both of us. Marlenes credit score was even higher than mine based solely on being authorized on that card.

[seldi 1]

I added my hubby as an authorized user before he even moved to the US. I think they woulda given a card to my dog if I asked. They did call to confirm though.