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lolah

"Piggybacking"?

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I understand the basics of piggybacking, but have one question. If a friend or family member adds you as an authorized user on their account, does the creditor check your credit?

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No they don't. Unfortunately, though, as an AU, you may not have the card history reported on a credit file.

You need to be a JOINT user to be sure your history is reported. And, no, they don't check a secondary joint user's credit either.

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