LEARN · YOUR SITUATION

Find your situation

The same account can be a good fit for one person and a poor one for another. Start from where you are.

If you're asking for help

EP. 05
How to ask a family member to add you
Word-for-word scripts for a clear, respectful ask.
EP. 10
New to U.S. credit
Starting a U.S. credit history with an authorized user account.

If you're the one adding someone

EP. 17 · Coming soon
Adding an authorized user: what the account holder risks
Responsibility, controls and removal.
EP. 15 · Coming soon
Should you add a child or teen?
Age rules, reporting and access for parents.
EP. 11
A spouse's or family member's credit
What can and can't affect you.

If you're preparing to borrow

EP. 12 · Coming soon
Authorized user accounts and mortgages
What Fannie Mae and Freddie Mac guidance says.
EP. 23 · Coming soon
Authorized user accounts and auto loans
What to ask before you apply.