{"id":20497,"date":"2024-04-23T11:51:51","date_gmt":"2024-04-23T17:51:51","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=20497"},"modified":"2025-06-05T16:43:32","modified_gmt":"2025-06-05T22:43:32","slug":"does-being-an-authorized-user-affect-your-credit","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/does-being-an-authorized-user-affect-your-credit.html","title":{"rendered":"How much does being an authorized user affect your credit?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"190\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/04\/image-16.png\" alt=\"\" class=\"wp-image-20498\"\/><\/figure>\n\n\n\n<p class=\"has-white-color has-text-color has-background has-link-color wp-elements-f32d7d2e75c98b4c318a6ec5b50c6b0f\" style=\"background-color:#00204f\">Being an authorized user can positively, negatively or minimally impact your credit score, depending on the primary cardholder\u2019s financial actions surrounding monthly payments, credit history and credit utilization.<\/p>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice.<\/em> <a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information<\/em><\/a>.<\/p>\n\n\n\n<p>Whether you\u2019re just starting to build your credit or have made some financial choices that have negatively impacted your credit, you\u2019ve likely noticed that building credit isn\u2019t easy. However, adding yourself as an authorized user on someone else\u2019s credit card account is a useful way to establish new credit.<\/p>\n\n\n\n<p>So, how does being an authorized user affect your credit? Let\u2019s explore the various ways being an authorized user can impact your credit and how to start building credit using this strategy.<\/p>\n\n\n\n<p><strong>Table of contents:<\/strong><\/p>\n\n\n\n<ul>\n<li><a href=\"#what-is-an-authorized-user-on-a-credit-card\">What is an authorized user on a credit card?<\/a><\/li>\n\n\n\n<li><a href=\"#how-does-being-an-authorized-user-affect-your-credit\">How does being an authorized user affect your credit?<\/a><\/li>\n\n\n\n<li><a href=\"#how-to-build-credit-as-an-authorized-user\">How to build credit as an authorized user<\/a><\/li>\n\n\n\n<li><a href=\"#authorized-user-faq\">Authorized user FAQ<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-an-authorized-user-on-a-credit-card\">What is an authorized user on a credit card?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"975\" height=\"413\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/04\/image-18.png\" alt=\"\" class=\"wp-image-20500\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/04\/image-18.png 975w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/04\/image-18-768x325.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>An authorized user is an individual who is attached to another person\u2019s credit card account but is not the primary cardholder. Authorized users are not legally responsible for credit card charges or ensuring on-time payments. They typically receive a credit card issued under their name, which is linked to the cardholder\u2019s account.<\/p>\n\n\n\n<p>However, the primary cardholder will receive the monthly statement for the card, not the authorized user. It\u2019s the cardholder\u2019s responsibility to complete payments for that card. Some credit lenders split charges by card so the cardholder can see which charges are being made by the authorized user.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-does-being-an-authorized-user-affect-your-credit\">How does being an authorized user affect your credit?<\/h2>\n\n\n\n<p>Being an authorized user on someone else\u2019s account can both negatively and positively impact your credit. You\u2019re taking a risk based on trust and communication that the primary cardholder will consistently complete payments on time and maintain a good credit history. Below are a few ways being an authorized user can affect your credit.<strong> <a><\/a><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-help-build-your-credit\">1. Help build your credit <\/h3>\n\n\n\n<p>If the primary cardholder consistently submits monthly payments on time and maintains a low credit utilization, you should see a positive impact on your credit. Before asking to be added to the account, ensure that the cardholder has a good credit history and that the credit lender they use reports it to the three major credit bureaus\u2014Equifax\u00ae, Experian\u00ae and TransUnion\u00ae. This way, your authorized user account will eventually show up on your <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-a-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\">credit report<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-hurt-your-credit\">2. Hurt your credit<\/h3>\n\n\n\n<p>Becoming an authorized user on someone else\u2019s account, regardless of their relationship to you, involves taking a risk. Your credit can be negatively impacted if the primary cardholder fails to make timely payments or accumulates a high credit balance. If this happens, it\u2019s best to remove yourself from the account to prevent any further impact on your credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-minimally-impact-your-credit\">3. Minimally impact your credit <\/h3>\n\n\n\n<p>If the card\u2019s lender doesn\u2019t report authorized user activity, the account won\u2019t appear on your credit report. As a result, you won\u2019t see any impact, positive or negative, on your credit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-build-credit-as-an-authorized-user\">How to build credit as an authorized user<\/h2>\n\n\n\n<p>Becoming an authorized user is a great way to start building credit or repairing a <a href=\"https:\/\/www.lexingtonlaw.com\/education\/bad-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">bad credit score<\/a>. Follow the steps below to better your chances of successfully building credit through this method.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"906\" height=\"871\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/04\/image-17.png\" alt=\"\" class=\"wp-image-20499\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/04\/image-17.png 906w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/04\/image-17-768x738.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-choose-the-right-credit-card-holder\">1. Choose the right credit card holder<\/h3>\n\n\n\n<p>Carefully consider who you want to ask to add you as an authorized user on their credit card account. Choose a relative or close friend who you can trust to make timely payments and who has a good credit history and low credit utilization.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-request-to-be-added-to-the-account\">2. Request to be added to the account<\/h3>\n\n\n\n<p>Kindly ask the primary cardholder to add you as an authorized user on their account. Keep in mind that not all credit lenders report authorized users to credit bureaus, so research the credit lender before proceeding with the approval process.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-monitor-account-activity-and-payments\">3. Monitor account activity and payments<\/h3>\n\n\n\n<p>Whether you\u2019re using the credit card account or not, it\u2019s important to communicate with the primary cardholder about payments and spending limits. While you aren\u2019t legally responsible for submitting payments on time, you want to ensure that you\u2019re not overspending on the account and increasing the <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-utilization\" target=\"_blank\" rel=\"noreferrer noopener\">utilization ratio<\/a>\u2014this ratio represents the proportion of your total credit limit that you\u2019re using.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-regularly-check-your-credit-report\">4. Regularly check your credit report<\/h3>\n\n\n\n<p>Regularly check your credit report to ensure that your authorized user activity is reported accurately and is positively affecting your credit. If you notice a negative impact on your credit, check to see if the primary cardholder is making timely payments and maintaining low credit utilization. If they aren\u2019t, consider removing yourself from the account before your credit health worsens.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"authorized-user-faq\">Authorized user FAQ<\/h2>\n\n\n\n<p>Below are answers to some common questions about how being an authorized user can affect your credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-who-can-be-an-authorized-user\">Who can be an authorized user? <\/h3>\n\n\n\n<p>Anyone can be an authorized user of a credit account. However, typically authorized users are family members, close friends, employees and legal guardians. Most commonly, authorized users are young individuals who want to <a href=\"https:\/\/www.lexingtonlaw.com\/education\/how-to-build-credit\" target=\"_blank\" rel=\"noreferrer noopener\">build credit<\/a> or have a poor credit history.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-who-should-you-ask-to-add-you-as-an-authorized-user\">Who should you ask to add you as an authorized user?<\/h3>\n\n\n\n<p>While anyone can add you as an authorized user on their account, it\u2019s best to ask someone you can trust and are close with. Relatives and close friends who have excellent credit and demonstrate a history of timely payments are good choices, as this behavior can further increase the likelihood of improving your credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-will-adding-someone-as-an-authorized-user-hurt-my-credit\">Will adding someone as an authorized user hurt my credit?&nbsp; <\/h3>\n\n\n\n<p>Adding an authorized user to your credit account shouldn\u2019t negatively impact your credit. If you maintain full control of the account and make payments on time, both you and the authorized user will benefit. However, if the authorized user misuses your credit on your account, both you and the authorized user can be negatively impacted.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-does-removing-an-authorized-user-hurt-their-credit-score\">Does removing an authorized user hurt their credit score?<\/h3>\n\n\n\n<p>Removing yourself as an authorized user on an account may affect your credit score. Removing yourself from an account with a good payment history may cause a slight decrease in your credit score, as you\u2019re no longer benefiting from the credit account.<\/p>\n\n\n\n<p>However, opening your own credit card as soon as you remove yourself from the other account can minimize the impact on your credit history. Additionally, if the primary cardholder isn\u2019t making payments on time or is maxing out the card, removing yourself as an authorized user can benefit your credit. That\u2019s why it\u2019s important to carefully consider whose credit account you add yourself to.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-s-the-difference-between-joint-credit-cards-and-authorized-users\">What\u2019s the difference between joint credit cards and authorized users?<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/joint-credit-cards.html\" target=\"_blank\" rel=\"noreferrer noopener\">Joint credit cards<\/a> function exactly like a normal credit card, but they are shared by two people rather than one primary cardholder. The biggest difference between joint account holders and authorized users is that with a joint account, both parties are legally responsible for making payments on the account.<\/p>\n\n\n\n<p>Additionally, those who apply for a joint credit card can expect to have their credit history and other financial information considered during the application process, whereas the authorized user\u2019s typically isn\u2019t considered.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-long-until-an-authorized-user-account-shows-on-your-credit-report\">How long until an authorized user account shows on your credit report?&nbsp; <\/h3>\n\n\n\n<p>The amount of time it takes for an authorized user account to show on your credit report depends on the credit bureau and when it\u2019s reported. However, it\u2019ll typically show up within 30 days of adding the authorized user to the account.&nbsp;<br><br>Ultimately, being an authorized user can be a valuable tool for building credit, but it\u2019s important to weigh the benefits and risks carefully. Not sure where to start but need help building your credit? Sign up for Lexington Law Firm\u2019s <a href=\"https:\/\/www.lexingtonlaw.com\/credit-snapshot\/pi\">free credit assessment<\/a> today to see where you\u2019re at with your credit situation.<\/p>\n\n\n\n<p><a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How much does being an authorized user affect your credit? Learn how to build credit as an authorized user and maximize the benefits. <\/p>\n","protected":false},"author":63,"featured_media":20498,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Does Being an Authorized User Affect Your Credit?<\/title>\n<meta name=\"description\" content=\"How much does being an authorized user affect your credit? Learn how to build credit as an authorized user and maximize the benefits.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/does-being-an-authorized-user-affect-your-credit.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How much does being an authorized user affect your credit?\" \/>\n<meta property=\"og:description\" content=\"How much does being an authorized user affect your credit? 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