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    rhouse30's Avatar
    rhouse30 Posts: 306, Reputation: 1
    Full Member
    		  
    #1

    Feb 10, 2008, 05:57 PM
    Credit Score
    Having an authorize user on your credit card, does it effect your credit score?

    Thanks in advance.
    s_cianci's Avatar
    s_cianci Posts: 5,472, Reputation: 760
    Uber Member
    		  
    #2

    Feb 10, 2008, 06:03 PM
    Yes. Anything having your name on it will affect your credit score.
    Fastfun1's Avatar
    Fastfun1 Posts: 80, Reputation: 11
    Junior Member
    		  
    #3

    Feb 11, 2008, 05:51 PM
    Quote Originally Posted by s_cianci
    Yes. Anything having your name on it will affect your credit score.
    Umm... no, you can have as many authorized users on your accounts as you please. As long as your payments are timely, there will be no negative impact to your credit. Since I have been in a position that involves the routine analysis of consumer's credit for nearly five years, take that as a fact. :cool:
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
    Expert
    		  
    #4

    Feb 11, 2008, 06:28 PM
    If the authorised user charges the card to the max and / or if they don't pay the bill, you have to. But just havng them on the card does not hurt anything.
    JBeaucaire's Avatar
    JBeaucaire Posts: 5,426, Reputation: 997
    Software Expert
    		  
    #5

    Feb 11, 2008, 06:30 PM
    Authorized user - charges have no effect

    YOU AS OWNER OF ACCOUNT - no negative effect if account paid on time.
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