Michael Torres
CPA, Former IRS Revenue Agent
Authorized User
In This Article
Definition
Person added to someone else's credit card account, benefiting from that account's history on their credit report.
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FAQs
Can being an authorized user build credit?
Yes, the account's history appears on your report, helping build credit passively.
Similar Terms
Credit Utilization
Percentage of available credit being used. Keeping below 30% (ideally 10%) helps maintain good credit scores.
Hard Inquiry
Credit check that appears on your report and may temporarily lower your score, typically from loan or credit applications.
Soft Inquiry
Credit check that doesn't affect your score, used for background checks, pre-approvals, and personal credit monitoring.
FICO Score
Most widely used credit score model, ranging 300-850, used by 90% of lenders for credit decisions.
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