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Question By
INTaylorKY

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Authorized User Only - why are these accounts on MY report?
I don't think they should be on MY report. The outstanding debt is lowering MY score!

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Top Contributor
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You are one of the Authorized users,  that means you are able to make Charges agaist the Credit Card,   which in turn if the Card Holder defaults on making the payments to the Credit Cards and they Will come after you next.  

If you are a Authorized users IT WILL SHOW UP ON YOUR Credit Report,

You can't have your cake and eat it to?   Like be a authorized user and not be responsible charges.  

If you don't like the HIGH Outstanding Debt on the card then you better get your name off the card and QUICK!

Top Contributor
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Actually, an authorized user is not liable for the debt if the cardholder defaults (except in cases of common property state laws if married, or if they are a joint holder vs authorized user, or in very rare cases, where it's specified in user agreement.)

Most reputable companies state clearly authorized user is not liable, the cardholder is liable for charges incurred by user, not vice versa, but know what you're agreeing to. If you don't want both positive and negative aspects of cardholders info on your credit, then have yourself removed as a user. Usually the history will delete off your reports, if it doesn't, you can dispute to have it removed and they will do so relatively quick. 

And think twice in future if you don't want the good with the bad. 

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