Gino asked in Business & FinanceCredit · 2 months ago

Will I have trouble getting a mortgage if i am an authorized user?

Hi guys! So my score is around 745. I have a joint car account. No cosine an actual joint.

I have an Amazon card where I'm an authorized user with my girlfriend

I have my own credit card as well.

But I am wondering because I am an authorized user will they look at that as bad? Should I just cancel my name on it do you think that would help or should I stay put? Any input would be great

7 Answers

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  • Anonymous
    1 month ago

    No.  An authorized user is not responsible for the bill, so it won't be a consideration.

  • 2 months ago

    Co-sign {cosine is a math term.} Car or card ??  Joints are illegal in some states. Otherwise you are fine.

  • 2 months ago

    i would hope not

  • 2 months ago

    authorized user has no credit effect because you have no financial responsibility for the debt.  It isn't credit extended to you.  

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  • 2 months ago

    With a 745 score, you are good with the way it is

  • Anonymous
    2 months ago

    I don't think it shows as an authorized user. It shows on your credit as yours.

    Of bigger issue is your income, time on job and down payment.

  • Anonymous
    2 months ago

    If you are reasonably qualified for the mortgage, it should make zero difference at all.

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