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If you are an authorized user on an account that has never been late and has not exceeded the credit limit, then your credit score should improve within six months. If you have a little money of your own set aside, try obtaining a secured visa or MasterCard through Bank of America, First Premier, or Capital One. This will help build your credit even faster.

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Q: If a college student has no previous credit history but is an authorized user on his father's credit card how long would it take to acquire a credit rating?
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