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Is credit rating improved if signed on to another's card?

Answer

Wiki User
06/25/2008

If another person adds you as an authorized user, your credit rating does not change at all. Previously, you could benefit from their positive credit history and gain additional points on your credit score. This is called "piggybacking." However, as part of a string of updates to FICO-based credit scoring models, known as FICO 08, authorized user status no longer contributes to your credit score.