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Anon tries to understand credit scores
(sh.itjust.works)
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this post was submitted on 27 Dec 2025
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Yep! Credit scores work for the people they're supposed to: wealthy folks who give their kids $$$ at 18, add them as an authorized user on their own cards, etc. All the one-up stuff poor people can't afford. This is just a numerical way of saying "you're poor go to hell."
Correct me if I'm wrong, but being an authorized user doesn't improve your credit score
Yes it can improve their scores if the main user keeps it in good standing. It can have a negative impact if the main user doesn’t make payments on time, maxes it out, etc.
It might not be a blanket rule, but if, as an authorized user, you see the line of credit on your credit report it is impacting it.
I hqd a score of 800 after about 8 years starting from a $200 secured card I got after moving states with my gf and living our lives working at restaurants.
You don't have to be rich to get a good score, it's about habits and debt load.
My family was not wealthy but they helped me open a card at 18, which I used instead of debit payments and just paid off in full.
Being poor isn't an excuse for being stupid.