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authorized users this topic comes up all the time and a lot of people think that its no longer a mechanism that can help a consumers credit score and thats not true its one of the only little loopholes thats left that can increase credit very quickly let me explain what an authorized user is if i have a credit card that ive been paying on for years and my wife her income is also going towards paying that bill i can call up and add her onto the card and the credit history that ive accumulated over the years should show up on her report within 30 to 60 days now what about somebody thats not my wife yeah i could add anyone that i want to that credit card but i shouldnt we consider that to be fraudulent adding people that you have no connection with or adding on to someones account with no connection to them we consider that to be fraudulent and a lot of banks do as well but if someone is immediate family member or if they share or partake in the pain of that bill you can call up
