 TITLE: What Rights Do You Have As an Authorized User on a Credit Card? CONTENT: How Does Being an Authorized User Affect Your Credit?\n-----------------------------------------------------\nOne of the main advantages of being an authorized user is that it can give you a jump start on establishing credit with very little risk.\nThe issuer can report the account's account activity to the credit reporting bureaus, which helps to build or establish your credit history. As long as the bill gets paid on time and the balance doesn't climb too high, your credit scores should increase. That's because payment history and credit utilization are the two weightiest credit scoring factors. The longer a perfectly managed account is on your report, the more positive information will be calculated into your scores.\nAnd if the primary account holder falters and fails to pay? The good news is that Experian will remove the account from your credit report. While it's important to enter into these arrangements with someone you trust, it should be a relief to know that another person's bad habits don't have the potential to hurt your own credit goals.\nWhen you're an authorized user, be sure to check your free credit report from Experian to understand how the credit card account is listed. You'll want to see a long history of on-time payments, as well as a balance that's far below the credit limit. Free credit monitoring from Experian can also help you protect and improve your credit scoring by helping you address any potential fraud. END