Dear Experian, Is an authorized user responsible for the debt? If an authorized user is removed from the credit card, can the credit card also be removed from the credit report? I also read somewhere that credit bureaus will not take into account authorized users for credit scores. Is that true? – CHS Dear CHS, […]
Categories: Score Advice
I am an authorized user on my mother’s account. Will it affect me if she misses payments? Will it hurt my credit?
I am listed as an authorized user on two of my husband’s accounts, one of which was charged off, and the other is in collections. They are showing up on my credit report and negatively impacting me. How can I get these off my credit report?
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?
Will adding one or more authorized users (my husband and my daughter) to my credit card accounts affect me negatively? My daughter will not have a card to use; I only want to help establish her credit.
I am wondering about the difference in liability between a cosigner and an authorized user on a credit card. I understand that if I am a cosigner on my ex-wife’s credit card, I am responsible for the debt if she defaults or declares bankruptcy. Is this also true if I am not a cosigner but an authorized user? Also, if I am an authorized user, can I have my name removed from the account?
Does it affect my credit score if I have an authorized user on credit cards who does not have a good credit history? And likewise, does it help the credit score of someone with poor credit to be added as an authorized user (not joint applicant) for a card belonging to someone with a high credit score?
I had you remove my ex-wife’s address from my report, and now it is back on there. I need to know why, and I would like it to be removed and to stay removed.
Do items on my credit report in which I am listed as an “authorized user” contribute to my score?
If I add an authorized user who filed bankruptcy to my credit card, will that affect my credit scores?