An authorized user account is a credit card account which has been opened by the primary cardholder for an additional user. Adding a person as an authorized user usually but does not necessarily mean there is an extra credit card issued. Some personal information may be required in order to be added as an authorized user on an account. However the holder/owner of the account does not have to provide the user their private info if they choose not to. This account is many times reported to the credit bureaus by the issuing banks. Reporting history is subject to change according to each card issuing institution as well as the credit bureaus own internal rules and guidelines.
You should consider buying a Authorized User Tradeline so your able to “piggyback” and rebuild your credit. Piggybacking is a credit building tactic that allow a person who is trying to build credit to “piggyback” onto the credit history of someone who already has excellent credit. This is done via the use of authorized user accounts. the person with the excellent credit history would add the person who is trying to build credit onto their credit card as an authorized user. This action alone causes the entire history of the account to be reported as a tradeline on the credit report of the person trying to build the credit. This added excellent credit history allows the person wanting to build credit to realize score improvements of 100 points or more depending on the strength of the original credit line used.