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john ulzheimer is known as one of our nations most recognized credit experts having worked for 28 years in the credit industry john has become one of the most prolific speakers about credit and the go-to authority on answers to credit-related questions credit countdown with john alzheimer hey there this is john ulzheimer i am a consumer credit expert got almost 30 years of experience in the credit industry ive spent time at fico which is the company behind the fico credit scoring system of course and equifax which is one of the three generally recognized credit reporting agencies in the united states and so todays question um this question is going to be with respect to the frequency uh whereby people who have credit card accounts add and remove authorized users from those accounts so i guess specifically the question would be is is there any downside to adding and removing authorized users from my credit card account frequently meaning is there some sort of penalty for for for doin