AU METHOD · Wealth By Design

AU METHOD

💳 3 Things That Make an Authorized User Account Work (Or Not)

1️⃣ The Card Must Report to All 3 Bureaus

Not every card automatically reports authorized user activity to Equifax, Experian, AND TransUnion. Before getting added — confirm the issuer reports to all three. If they don’t, your score won’t move at all.

2️⃣ The Primary Cardholder’s Habits Affect YOU

If the primary holder misses a payment — that missed payment shows on YOUR report too. If they max the card out — your utilization goes up too. Only get added to cards with perfect payment history and low balances.

3️⃣ Being Removed Can Drop Your Score

When you’re removed as an authorized user, that entire account disappears from your credit report. If it was boosting your score — your score drops the moment it’s gone. Plan your credit moves around this before asking to be removed.

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