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Question By
obaker3

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How is it that if a person added to an account their credit being affected?
If someone is added to an account and has no access to the account information other than the card to use, why is it that the person added is being affected? If there is no access or bill coming to that person, how will that person be able to ensure that nothing goes wrong with the account? Why is it that someone pays the penalty for something bad on that account when it could have been prevented if the added person had access?

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The most common reason for a person to be an authorized user on an account is because the person being added has no good credit and cannot qualify for any credit.  So if they are added to someone's good accounts, they automatically have the same credit lines as the original credit client, which helps their credit scores.

You are correct, the authorized user (person that was added to the account) cannot control the actions of the credit client.  If you don't want to be on someone else's account, it is very easy to fix.  Just call the lender and ask them to remove you.  You can Google the lender's name and get the customer service number.  But remember, if these are good accounts and they are removed from your report, expect your score to drop.  Best of luck!

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