Authorized Users: Credit Rebuilding The Easy Way!

One of the easiest ways to rebuild your credit profile is to become an authorized user on someone else's credit card who has much better credit than yourself and preferably a long credit history to go along with it.

The most common term for this procedure is called “piggybacking,” where the authorized user piggybacks onto the primary account holder’s Visa, MasterCard, department store or gas credit card. The primary account holder has sole responsibility for repayment of the debt.

Conversely, the authorized user bears no responsibility for the debt whatsoever. The primary purpose of becoming an authorized user is to rebuild or even establish ones credit from the sharing of the primary account holder’s good credit history.

Allowing someone to piggyback your credit profile helps them to build credit without the risk of their bad credit history affecting yours in any way. The authorized user will receive their own credit card in the mail without the need to actually use it because the account holder’s credit history for that particular credit card will automatically show up on the users’ credit profile.

If you would like to help a family member or friend to establish or rebuild credit, all you have to do is call the credit card issuer and request that they be added to your account as an authorized user and a card in their name will be mailed directly to you and it is completely up to you as to whether you decide to put the card in their hands or not.


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