Houston Credit Repair experts at Impeccable Credit Services explain what an authorized user is. How do they hurt and benefit credit?
What is an Authorized User?
An authorized user is adding someone to your credit cards. By adding them they gain the benefits of the credit line, but they also are equally responsible for the payment and the debt. Some people consider building credit by adding someone as an authorized user. It will not do anything to the primary card holder’s credit. If you add an authorized user and hey use the line of credit you are also responsible for the total amount charged on the card.
Should I️ Add Someone to My Cards?
In my professional opinion, absolutely NOT. You cannot control people and their habits. Even if they pay on time 24/7 and nothing is wrong with their credit you never know what can happen. The primary user can get sick, loose a job, or get a divorce. It is safer to build your own credit.You are the only one that needs to worry about your credit. If you have any questions contact a professional for advice before making any hasty decisions.
Houston Credit Repair
Impeccable Credit Services has been in business for over eighteen years. We strive to help our clients in any way possible as far as their credit is concerned. We give them the tools for success to crack the credit code. No one should have to rely on anyone else to build their credit. The ladies at impeccable educate the clients on exactly what to do in order to build their score. With two locations we are able to help in person or virtually. We service clients all around the world. As long as you have a SS or ITIN we can assist even if you have no score. If you have any questions please feel free to contact us 713-378-1500.
