Authorize user account
Updated: Apr 10, 2019
Adding a credit line with a good payment history to your credit report can help improve your credit score. You can do this with an authorized user account. This is 100% legal if you are using a family member to assist you. But if you buy a tradeline from a company, FICO can tell the difference, and you may not see a boost in your credit score.
Ask a family member to add you as an authorized user on their credit card account. After 30-60 days, your family members’ entire credit history for that account will appear on your credit report. This could increase your credit score if they have a good payment history.