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Katlin asked in Business & FinanceCredit · 8 months ago

So my friend is willing to let me be an authorized user on her credit file. Does she need a credit card to be able to do this?

She has a really good credit score and been paying off all her student loans on time for a long time.

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  • 8 months ago

    No such thing as an authorized user on a credit file. Only on a particular card or account.

    In other words, you cannot use her good credit score, it does not work like that.

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  • GEEGEE
    Lv 7
    8 months ago

    Yes, since there is no such thing as being an authorized user on a credit file.

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  • 8 months ago

    Authorized user is only for credit cards. It means you can use her credit card. You would never be an authorized user on any other type of account like a student loan or car.

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  • Eva
    Lv 7
    8 months ago

    Your friend is a fool. Being an authorized user will do nothing for your credit score. You can't be an authorized user on a credit file anyway. Authorized users are only for credit cards. She should never allow someone with poor credit as an authorized user, as she would be responsible if the person didn't pay and it would ruin her credit.

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  • Judy
    Lv 7
    8 months ago

    The way to use her credit other than her credit card is for her to cosign for you.

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  • 8 months ago

    Everyone has their own credit file.  There is no such thing as an "authorized user" on your credit file.

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  • 8 months ago

    You can't use another person's credit FILE. She can make you an authorized user on a credit ACCOUNT. Of course she would need a credit car account for you to be able to use a card on that account.

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  • 8 months ago

    That is not how that works.

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  • 8 months ago

    You CANNOT be an authorized user on a credit "file".

    You can only be an authorized user on a credit card or other line of credit.

    Your friend is stupid - not because they don't know when an authorized user is used... but because they would allow someone with poor credit to have have the ability to charge to their account.

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  • Shay
    Lv 7
    8 months ago

    You can't be an "authorized user" on someone's credit score.

    You CAN be an "authorized user" on someone's credit card account.  That person would need to have a credit card and they would get a second card for the other person that they are authorizing to use that credit card account.

    Being an "authorized user" does NOT help improve the credit score of the authorized user.  If the account isn't paid on time, it only hurts the main card holder.

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