Authorized User and Primary User Accounts

1. The road to good credit starts here Quality for: • Mortages • Auto Loans • Personal Credit Cards • Personal Loans • Business Credit Cards • Business Loans • Bank Accounts • Employment • Apartment Rental

2. Difference between Authorized user and Primary User Accounts The primary user is the person who applies directly to the credit card companies. In other words the owner of the credit.

3. Difference between Authorized user and Primary User Accounts The credit reporting for primary users will always be considered as a stronger source to measure individuals by credit bureau standards.

4. Difference between Authorized user and Primary User Accounts Authorized users are recognized by the information which is reported to the credit bureaus by card companies but may be subject to restrictions as to how the reporting is done and length of time and history reported.

5. Difference between Authorized user and Primary User Accounts The primary user reporting file will contain all history from the institutions reporting payment history, and it will more heavily be weighted as a source for scoring and determining credit decisions for those applying directly for credit.

6. Difference between Authorized user and Primary User Accounts • Key factors to understand are: • Primary users are considered to be the owners of credit, and their tradelines carry more weight. • Authorized user tradeline reporting may have limitations with respect to time and card issuing company. • Each tradeline may be recognized differently by institutions with which credit sought. • Primary cardholders are limited to the total number of authorized users available per card.

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