Being A User On Someone Else's Account Video

Being A User On Someone Else's Account

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By: MonkeySee.com - Business

MonkeySee.com is leading producer of lifestyle focused how-to content with over 10,000 videos spanning 169 subcategories.

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Being A User On Someone Else's Account -

In this video, Mr. Barnett reviews some important aspects on managing your money in college, like if being an...

Being A User On Someone Else's Account -

In this video, Mr. Barnett reviews some important aspects on managing your money in college, like if being an authorized user on someone else's account helps your score

Added: 8/3/09

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Being A User On Someone Else's Account bankruptcy being a user on someone elses account cancellation plan financial aid how to get a scholarship managing college budget monkeysee mr. barnett personal finance

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Being A User On Someone Else's Account

Host: Is being an authorized user on someone else’s account help my credit scores? Markita Aldridge-Woods: Oh yes; it did in the past. 10% of your credit score actually happens to be the overall credit history meaning how long you have had credit. Well, one way that people have used to boost their scores to get on an account with someone who s had credit for quite a long time and become a authorized user, that way you have already inherited their credit history to help manipulate your score. However, we have legislature here that has changed and with the last two credit bureaus coming on board, they are going to change that, it won't be able to help you. Also, be careful with doing something like that because if that person ever goes into the negative or they start paying late that also is going to be on your credit report as well.

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Host: Is being an authorized user on someone else’s account help my credit scores?
Markita Aldridge-Woods: Oh yes; it did in the past. 10% of your credit score actually happens to be the overall credit history meaning how long you have had credit. Well, one way that people have used to boost their scores to get on an account with someone who s had credit for quite a long time and become a authorized user, that way you have already inherited their credit history to help manipulate your score. However, we have legislature here that has changed and with the last two credit bureaus coming on board, they are going to change that, it won't be able to help you. Also, be careful with doing something like that because if that person ever goes into the negative or they start paying late that also is going to be on your credit report as well.

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