Title: How Does Being an Authorized User Affect My Credit Score? | HuffPost Life
Headings: How Does Being an Authorized User Affect My Credit Score?
How Does Being an Authorized User Affect My Credit Score?
How the Authorized User Strategy Works
Payment Liability for Authorized Users
Authorized Users on Credit Reports
Authorized Users in Credit Scores
FICO's Anti-Piggybacking Logic
For Best Results

Content: Authorized Users in Credit Scores
When the account is added to your credit reports it will immediately be considered by credit scoring systems. It will be measured on par with all of your other accounts, meaning it's not discounted simply because you're an authorized user. The only exception is if FICO's newer scoring models believe you're simply trying to game the system by having your name added to the account. FICO's Anti-Piggybacking Logic
FICO hasn't provided any public detail on that aspect of their scoring logic but many believe they've figured out a way to sniff out scenarios where people have been added to credit card accounts where there's no legitimate relationship between the two consumers. This process is called "piggybacking" and is an attempt to game the credit scoring system. It's not much of a problem today but several years ago it was all the rage. For Best Results
You're going to want to have your name added to a credit card account that is old, has a low balance relative to the credit limit, and has always been paid on time. These aspects of the account are very helpful to your credit scores. In fact, you could see your credit scores improve considerably, depending on your individual scenario. The best part of being an authorized user is the fact that you have no liability for the account.