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Answers (3)

an authorized user

by sakura August 9, 2019, 12:48 am

an authorized user

  1. sakura
    August 9, 2019, 12:48 am

    I am an authorized user from my bfs chase card. In this case, does 5/24 count to me or him?

    also, I would like to cancel this authorized user card since my bf has a bad credit and i have a good credit, and i do want having this card affect my credit score. If i close this authorized user card, it will go back to 0/24 (if i do not have any cards opening within 24 months), correct?

    thanks!

  2. Gaurav
    August 9, 2019, 10:22 am

    Hi Sakura, it applies to both of you. Some people have reported success in having their count reduced during reconsideration calls when they were authorized users.

    I do not believe that the card affects your credit score in any way since your boyfriend is the one responsible for the account. Authorized users are not usually a co-signer for an account.

    Your x/24 count will not change since that measures the number of accounts opened.

    As a beginner I would strongly encourage you to read up on credit scores on the beginners area of this site as well as more specialized forums like myfico etc so that you have a better understanding of how your decisions will affect you. Good luck!

  3. sakura
    August 9, 2019, 3:31 pm

    THANK YOU!!

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