(Bankrate) — Being an authorized user on someone else’s credit card account may raise your credit score. It depends on how the account is handled, your overall credit history and which scoring model is used to calculate your credit rating. What you’ll see on your credit report is the payment history for the shared account. You won’t see other accounts from the main cardholder’s credit report on yours unless your name is on those accounts as well. In addition, your credit score won’t merge with the other person’s credit score because of the shared account. Your credit score only considers information from your individual credit file.
