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Question By
Pharkus

84 Contributions
46 People Helped
If added as authorized user, does it erase when you remove as AU
Some people say having you added to a parent, spouse or other person's credt card as authorized user, your credi score will increase if that person maintains good payment history and utilization. So what happens if you are removed as authorized user after couple of years? Do you lose all that payment history as if account closed? Get a big drop in score at that time? If you do it only until you get approved for that big item you want (new car or mortgage), will it really matter for score to drop because you are removed as authorized user.

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Top Contributor
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Well yes you will keep the history on your credit report for as long as you were on there.  So if you were on there account for 3 years you would have 3 years of credit history that would stay on your account for 10 years.

So if you are on there account to up your score so that you can buy a car like your question says then I would take the time first to read these forms and other sites about credit and how it works first.. This will help you understand what your doing and how it is going to affect you and your score.  This will benifit you now and in the future.

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