Adding yourself as an authorized user can boost your credit, but the wrong account can do the opposite. Not all AU accounts are created equal, and choosing poorly can bring down your profile instead of helping it.
It all comes down to the quality of the account you are being added to. Payment history, utilization, and age all play a role in whether it helps or hurts you.
Here’s what to look out for 👇
✅ Strong payment history with no late payments
✅ Low utilization to keep your score optimized
✅ Aged accounts that add positive history
➡️ Learn how to use authorized users the right way and protect your credit profile.
➡️ Ready to level up?