Adding 18 year old as authorized user on credit card - yay or nay- for building their credit score

[Anonymous]

For helping our 18 year old to build a credit score is it better to add them as an authorized user on my cc or have them get their own card?

[Anonymous]

Anonymous wrote:For helping our 18 year old to build a credit score is it better to add them as an authorized user on my cc or have them get their own card?

I am pretty sure adding them to your account will do absolutely nothing to build their credit score. It is still your account, not theirs, and you are responsible for making payments.

[Anonymous]

Did you Google? According to Experian, "As an authorized user, the credit card account is reflected on your credit report, which can help you make progress toward building a robust credit history."
https://www.experian.com/blogs/ask-experian/what-is-credit-card-authorized-user/#s3

[Anonymous]

It helps but their own account will help more. We did both with DD who turned 18 in August.

[Anonymous]

Op here and thank you for the information.

[Anonymous]

My 14yo and 17yo have been authorized users on our credit card for a couple years now.

[Anonymous]

Anonymous wrote:Did you Google? According to Experian, "As an authorized user, the credit card account is reflected on your credit report, which can help you make progress toward building a robust credit history."
https://www.experian.com/blogs/ask-experian/what-is-credit-card-authorized-user/#s3

My google has told me the opposite.

[Anonymous]

I posted on a different thread. I added my son as an authorized user on my card when he was 16 or 17. He’s 18 now with a credit score just under 800. The only ding on his score is the length of credit history. My older son got the best rate available for a car loan when he was 21 or so.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Did you Google? According to Experian, "As an authorized user, the credit card account is reflected on your credit report, which can help you make progress toward building a robust credit history."
https://www.experian.com/blogs/ask-experian/what-is-credit-card-authorized-user/#s3

My google has told me the opposite.

Link?

[Anonymous]

Should have done it long ago. Do it now, makes sure you have a great score and then get him his own card at some point.

[Anonymous]

SAH mom here on dual credit cards with husband. It’s not building any credit for me at all.

[Anonymous]

Anonymous wrote:Did you Google? According to Experian, "As an authorized user, the credit card account is reflected on your credit report, which can help you make progress toward building a robust credit history."
https://www.experian.com/blogs/ask-experian/what-is-credit-card-authorized-user/#s3

Sweet Jesus, people. No one uses Google anymore. Bing with AI is far superior search engine.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Did you Google? According to Experian, "As an authorized user, the credit card account is reflected on your credit report, which can help you make progress toward building a robust credit history."
https://www.experian.com/blogs/ask-experian/what-is-credit-card-authorized-user/#s3

Sweet Jesus, people. No one uses Google anymore. Bing with AI is far superior search engine.

Thanks for the laugh. Bing still sucks.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Did you Google? According to Experian, "As an authorized user, the credit card account is reflected on your credit report, which can help you make progress toward building a robust credit history."
https://www.experian.com/blogs/ask-experian/what-is-credit-card-authorized-user/#s3

My google has told me the opposite.

Same. Our credit card company states that they don’t report on authorized users.

[Anonymous]

Anonymous wrote:Did you Google? According to Experian, "As an authorized user, the credit card account is reflected on your credit report, which can help you make progress toward building a robust credit history."
https://www.experian.com/blogs/ask-experian/what-is-credit-card-authorized-user/#s3

If true, I am adding my dog.