Credit Advice » Debt » Credit Cards » Authorized User Who Has Declared Bankruptcy

Authorized User Who Has Declared Bankruptcy

Dear Experian,

If I add an authorized user who filed bankruptcy to my credit card, will that affect my credit scores?


Dear SDY,

Adding an authorized user to your account would not cause their prior bankruptcy to be added to your credit report. Your credit history and the credit history of the authorized user are completely separate and each includes only the accounts and public records that are in your name.

The account may be added to the authorized user’s report because both of your names are now associated with the debt.

None of the authorized user’s previous account history will be merged with your credit history because you are not associated with or responsible for any of the debt. The same is true of the bankruptcy public record.

And, of course, because the bankruptcy will not appear in your credit history, it will not affect your credit scores.

That said, there is always risk when adding someone as an authorized user to your account. Any charges made by an authorized user are still the responsibility of the primary cardholder. If the authorized user’s charges increase your balances or you were unable to make the payments on time, your credit history would reflect the late payments and your credit scores would suffer.

Thanks for asking.
– The “Ask Experian” team

Review Your Free Experian Credit Report Today

Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

Get Started for Free
Have a Question for Experian?

Your privacy and the information collected here.

Find Credit Cards and Loans Matched to You

Experian uses its vast data resources to match you with offers that are the perfect fit for you and the life you want.

Sign Up for Free to See OffersBrowse all credit cards.

What Should You Know About the Dark Web?

Learn more about what the dark web is, and why it should matter to you as a part of your identity protection strategy.