will adding me as AU drop their score?

[sharizap]

If I have someone who is willing to add me as an authorized user on their credit card, will my less than perfect score tank their high one? I know that doing this can benefit my score, but will it do anything negative in reverse to theirs?

[lyle7289]

No.

You credit file has nothing to do with thiers. Now, If you purchase stuff on the card that you are an AU on and NO ONE pays and it goes late, than YES, that late pay WILL have ab adverse affect on thier score and yours.

Just adding you as an AU will not!

[ridgerunner77]

my mother is ill and cant work and she has a walmart discover with a $12,000 cl and a cap1 for $18000 since shesw out of work she cant pay them.she has had a couple of lates because of this.she said that she would add me as an authorized user if i wanted because im trying to straighten out my credit and her limits would help me and the accounts are both 6+ yrs old.the only question i have is this.will the payment history for the lenght of those cards appear on my credit reports thus those few late payments would show up on my credit report to and lowering my score or would it just show from the time that i was added as an authorized user.any help would be greatly appreciated.i only ask this because when i search there are differing opinions about this

[dallas01]

my mother is ill and cant work and she has a walmart discover with a $12,000 cl and a cap1 for $18000 since shesw out of work she cant pay them.she has had a couple of lates because of this.she said that she would add me as an authorized user if i wanted because im trying to straighten out my credit and her limits would help me and the accounts are both 6+ yrs old.the only question i have is this.will the payment history for the lenght of those cards appear on my credit reports thus those few late payments would show up on my credit report to and lowering my score or would it just show from the time that i was added as an authorized user.any help would be greatly appreciated.i only ask this because when i search there are differing opinions about this

The BOA card I'm a AU on reported the History of all payments for the last couple years. Hope that helps.