Effects of Missed Payments on Authorized User’s Credit

Caucasian mother and daughter walking in park

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Dear Experian,

I am an authorized user on my mother's account. Will it affect me if she misses payments? Will it hurt my credit?

- SHN

Dear SHN,

Not all creditors report authorized user accounts to Experian, so the first thing you should do is check your credit report to see if it is listed. You can request an annual credit report once every 12 months from each of the national credit reporting companies. You can also check your free credit report directly from Experian.

If the account is reported and there are delinquencies appearing on the account, it is likely that the delinquencies are affecting your scores. However, because you are not responsible for the debt, Experian will remove authorized user accounts that become delinquent.

The account may be removed automatically, but if you find it is still being reported, follow the dispute instructions provided with your report to contact Experian and request that it be deleted.

Or, contact the lender and ask to be removed from the account. When your name is no longer associated with the account, it will no longer be reported in your history with any of the national credit reporting companies.

Thanks for asking.
The "Ask Experian" team

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Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through April 2022 at AnnualCreditReport.