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sharklady17

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Does adding someone (with little to no credit) to your account hurt your own credit score?

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Adding someone as a authorized user to one of your Accounts should not have any effect on your Credit Score.   If you have 10 years of Credit history on the account it will show up on their Credit Report as 10 years of Credit History also.  ( Piggy-backing on your account )

But if the user goes wild charging up items on the account that YOU can't pay for then it might hurt your Credit Score.   All it takes is for something to go wrong and your Credit is Hurt.  If things go wrong it will be your fault not theirs even if they are the ones charged up the account.  ( worse case ) So think about it long and hard.

If the person has a Thin Credit file try to get them their own accounts setup.  They will have to do it sooner or later.

Credit History takes time, so does your Credit Score

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