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

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I'll have to look into it.  I added my son when he was 16.  He's been used it through high school and college and he just graduated from college.  He doesn't have any credit cards of his own yet and uses a debit card for his personal charges.  I'll report back on whether it made any impact on his credit.[/quote]

PP here. OK, I just ran a credit check on my son who has been an authorized user on my card since he was 16 (22 now).  He has a credit rating of 756 and it shows a total debt of $11K (which is our current AMEX balance).  I guess he does have credit!!  This was not what I expected to find.
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So your debt is reflected on his report? That may not advantageous when he needs a car loan on his own, as his debt to income ratio will be affected by your debt.[/quote]

Exactly. Also, way to infantilize your adult children. DH and I were never on our parents' cards and (gasp!) were able to buy houses and cars, and have always had excellent credit. 
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