Authorized user account not appearing on the credit report



Dear Experian,

I checked my credit report online and saw that it says I have no credit cards. I am an authorized user on a card, and I pay the balance every month. Why doesn’t it appear on my report?



Dear MDM,

If you are trying to establish your credit history, being an authorized user on an account can help, but only if the company reports it to one or more of the national credit reporting companies. However, not all credit card companies choose to report authorized user accounts.

Ask your creditor about its reporting policies. If it does not report authorized user accounts and you are just beginning to establish credit, another alternative may be to open a secured credit card.

Secured cards are usually tied to a savings account and have a limit linked to the account balance. Often lenders will report secured accounts, helping you build a credit history. If they do not, the lender may convert it to a traditional credit card and begin reporting the account after you’ve demonstrated that you can use it responsibly.

It’s always a good idea to ask the lender about its reporting policies before becoming an authorized user or opening a secured account.

Thanks for asking.

The “Ask Experian” team

Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.