Does being an authorized user help your credit score?

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Does being an authorized user help your credit score?

Postby HookEmHorns » Mon Apr 15, 2013 2:14 pm

How much would being an authorized user on an AMEX (specifically, a BC Preferred) help my score, if at all?

My mom treats it like a charge card, not carrying a balance. The only thing that has me concerned is that she charges everything to the card every month, so her utilization on the card is around 95% each month, and this is what's reported to the bureau until she pays it off.

So, would it hurt or help my credit score? I would only do it if I could get some significant credit boosts with it.

FYI, I have a Discover IT College with a limit of $1,300 now.
AMEX PRG~1/14--backdated to 2012
AMEX BCE~6/13--backdated to 2012
Chase Freedom~5/13
Discover IT ~12/12


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Postby im_mr_awesome » Mon Apr 15, 2013 4:48 pm

I'm not sure being an authorized user helps at all, as it's not as though you're actually responsible for the account. You just have a card linked to that account with your name on it. It's a bit like having a key to someone else's house. Just because you can enter doesn't make the house yours.
Scores on the mend...
FICO: 650 (Discover/TU, 6/23/2016)
Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
Short Goal Reach 680

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Postby FastSRT8 » Fri Apr 19, 2013 11:47 pm

This is true. You need your own stand alone account.
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