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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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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.