[USER]

I’ve heard that when you add a child as an authorized user on your credit card, their credit history is somehow linked to yours. Is this true?

Specifically, does adding a kid to your credit card allow them to inherit your credit history, even though they haven’t yet built their own?

How does this process work, and what impact does it have on their credit score in the future? I’d appreciate hearing about real-life experiences or any insights on how credit bureaus treat this kind of situation.

Does it help or hurt a child’s credit score? Are there specific steps or considerations to take into account when adding a child to your card?

Any advice would be very helpful!”

[Gen]

It starts from that point, and continues while the card is open.

[Melissa]

Correct. We did it for that reason, and because we wanted them to always have an emergency card (and a way to pick up groceries when we need them to.

[Russell]

They have to be added as an authorize borrower. Authorized users don’t get their credit pulled, nor does the bank even request the SSN of the authorized user.

[Szandra]

If they are minors you have to be careful to select companies that will report it to the credit agencies.

[Tou]

Yes, my 19 year old has a 9 year credit history, because he’s on a credit card of my that’s 9 years old.

[Shawn]

It’s also a great way to mess up your kid’s credit. It goes both ways.

[Author]

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