Credit Repair Glossary
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Authorized User
A person allowed to charge goods and services on a credit card by the primary user of that card. Authorized users—unlike users of a joint account—are not legally responsible for payment. Recently, a number of credit repair or credit improvement companies have claimed that they can guarantee an increase in your credit score by providing you with an authorized user account. To limit the use and effectiveness of this technique, Fair Isaacs recently announced changes to their FICO scoring system to limit the benefits of authorized user accounts. We previously discussed the changes to the FICO score in our blog entry about FICO 08.
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“I had a very low credit score making it nearly impossible to get credit let alone any financial help. I signed up with Credit X-Pert's [a preferred partner of CreditScoreAide] hoping that they would be able to assist me. I had an identity theft on my report and from the very beginning Credit X-Pert's was very involved in helping me resolve that situation. They even went as far as contacting our local police force to urge them start legal actions. I am currently still enrolled with Credit X-Pert's and they are continuing on repairing my credit. The support they have given me has been unmatched and I would definately recommend their company to anyone with any type of credit problems.”Read More