Quick Answer: Does Adding Someone To Your Credit Card Build Their Credit?

So, simply adding authorized users to your credit card accounts will not have a negative effect on your credit report or credit scores.

It’s their behavior that could affect your credit.

But their name, and the fact that you’ve added them as an authorized user, will not show up your report.

Will adding my child as an authorized user help his credit?

Making your child an authorized user on one of your credit cards gives you the opportunity to teach them about credit and help them begin building a good credit score. The benefit of the authorized user relationship is that the child doesn’t have the responsibility of having to make credit card payments.

What credit cards report authorized users to credit bureau?

The following issuers report authorized users to credit bureaus:

  • American Express.
  • Barclays (Only Equifax* and TransUnion)
  • Bank of America.
  • Capital One.
  • Chase.
  • Citibank.
  • Credit One.
  • Department Stores National Bank.

Can I build my credit by being an authorized user on a credit card?

Yes, authorized users do build credit. You can actually build a good or excellent credit score just as an authorized user on a credit card. When you become an authorized user, the account is added to your credit report, which means on-time payments by the primary cardholder will help you build good credit history.

Does removing an authorized user hurt credit?

Being removed as an authorized user can hurt your credit score if the account is removed from your credit report. If you’re the primary account holder, removing an authorized user won’t affect your credit score.


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