An authorized user builds credit when the credit account holder maintains responsible credit habits that help a credit score grow, such as making on-time payments and paying off balances in full. ... If you'd rather not take out a secured credit card, you can also look into credit cards for people with low credit scores.

How much can being an authorized user help your credit?

According to a 2018 study done by Credit Sesame, people who had a fair credit score saw their credit score improve nearly 11% just three months after becoming an authorized user on someone's credit card.

Do authorized users get credit report?

The accounts that you're an authorized user on will likely appear on your credit reports — most, but not all, credit card issuers report account activity to an authorized user's credit reports. ... If the primary account holder has a strong history of on-time payments, this can have a positive impact on your credit.