How long will the authorized user account remain on my credit report?
Authorized user accounts may be reported for a range of time starting as little as 45 days and ranging to several years.
Each institution and individual circumstance are unique, and there is no blanket scenario which can be provided as a benchmark for the length of time which they are reported to the credit bureaus.
Since lenders have their sets of guidelines on credit reporting procedures, it is not uncommon to see one lender report an authorized tradeline for 24 months, and another card company reports the same identical situation for six months.
The reason most credit experts encourage the use of authorized credit lines for a fast and temporary boost in credit is that there are only estimates as to how long the quality information will be reported to take advantage of the best lending products available.
Key factors to understand are:
* There is no standard answer for time limits of reporting authorized user tradelines.
* Each circumstance may vary by the card issuer and their specific guidelines.