 TITLE: What Is Piggybacking Credit? CONTENT: How Piggybacking Credit Works\n-----------------------------\nIf a person with good credit adds you as an authorized user to their credit card account, their payment history becomes part of your own credit report. For example, if they've had the credit card open for 10 years, your credit report would reflect an active credit account for that time frame too. If the primary cardholder has a positive payment history and keeps their account balance low, you may see a boost in your credit scores. However, if the primary cardholder falls behind on payments, that could hurt your credit scores as well, potentially making your credit situation worse.\nPiggybacking doesn't always work. Not all credit card companies report authorized users to the three major credit bureaus (Experian, TransUnion and Equifax). In addition, becoming an authorized user doesn't help you learn and develop good habits on how to use and manage credit wisely. The best way to build credit and increase your credit scores is to obtain your own credit accounts, pay them all on time and maintain a low credit utilization ratio. END