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Question about building credit score as an authorized user

601 19 April 26, 2020 at 07:55 PM
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I've always heard one way to build your credit rating is to be an authorized user on someone's card.

I added my wife on some of my credit cards and I noticed:
Capital One - her card is a different card number than mine
Citibank - her card is the same card number as mine

Does one card affect/build her credit more than the other?

Is it like the Citibank card wouldn't do much, since its the same card number, there's no real "history" since citibank doesn't know WHO used the card.

But Capital One would build credit history because its her own card number so she has her own history

Thank you

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Joined Jan 2007
Free hugs!
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#2
It's about the account, not to card #. Some high score people will even sell and authorized user account. The owner of the account never even gives the card to the AU and it still brings their score up.
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Joined Jun 2005
Let Sleeping Dogs Lie
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#3
My daughter was an AU on some cards and she was able to use my income when she applied for CC on her own until she reached I think 21 while she was in college. She has a great credit score now.
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Joined Aug 2013
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#4
We are just in the beginning of uncovering someone had opened accounts in name so
we have to do all that cleanup, plus rebuild our credit.

Your post made me think of someone else's post about paying for ones name to be
put on someone else's credit to raise ones score.
Does anyone have any experience with this?
Is there a trustworthy site for this?
Would this be helpful in building up credit score faster?

I'll go search now on here for any tips on fraud, etc..
Thanks.
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Joined Aug 2013
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#5
Quote from uniquename
:
It's about the account, not to card #. Some high score people will even sell and authorized user account. The owner of the account never even gives the card to the AU and it still brings their score up.
Do you know specifics on how one would do this?
Wondering if we would do something like this while we figure out what all
happened might help us rebuild credit faster.
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Joined Sep 2003
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#6
It's quite simple. You locate a person with an extremely high credit score who is willing to sell you access to their credit rating. Bear in mind, it won't be cheap....
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Welcome to the New World Order. Expect no mercy.
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