Authorized user
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Someone with a long, clean history adds you to their card, and their account can show up on your report with all its years of on-time payments.
Experian says being an authorized user “can provide an instant benefit.” It’s a boost, not a whole credit history: it “may not be enough” to qualify for credit in your own name.
From FILE 005: the 5 doors.
Sources
Official and government data first. Every quote is word for word; follow the link to check it yourself.
Experian · “6 Ways to Establish Credit”
“Getting added as an authorized user on someone else's credit card account can provide an instant benefit to your credit score.”
experian.com (opens in a new tab)Experian · “Why Being an Authorized User May Not Help You Get Credit”
“it may not be enough for you to qualify for credit in your own name”
experian.com (opens in a new tab)Experian · “6 Ways to Establish Credit”
“Getting added as an authorized user on someone else's credit card account can provide an instant benefit to your credit score.”
experian.com (opens in a new tab)Experian · “Why Being an Authorized User May Not Help You Get Credit”
“it may not be enough for you to qualify for credit in your own name”
experian.com (opens in a new tab)