But in the world of credit reports, an "authorized user" is someone who is allowed to use another individual's credit card without being responsible for the bill.
That sounds like a sweet deal for the authorized user. But millions of people with good credit use this strategy to help their children or spouses build a solid credit history.
Thanks to a recent turnaround by Fair Isaac, developer of the widely used FICO score, this avenue to good credit will continue to be available.
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