Originally Posted by
Redhead
Actually, being a secondary on a card, not a true joint, but authorised user, will often also help repair one's credit score.
Actually, it's tough getting a straight answer on this. For awhile, "credit repair" companies were taking advantage of the system and basically selling people good credit by charging them to become an authorized user on the account of someone with good credit.
FICO responded by saying that they'd stop considering "authorized user" accounts. But then they backtracked... maybe. So it's all very confusing. My understanding is that the only way to really do it is with a "joint" account, as opposed to adding an "authorized user."