Authorized User and Primary User Accounts

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Authorized Users LLC
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

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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.
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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.
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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.
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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.
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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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most convenient way below
Brokers - john john_at_authorizedusers.comSales -
Matt sales_at_authorizedusers.comHelp Desk - Dani
info_at_authorizedusers.com
Phone Fax Phone [phone] Fax
714-845-9969
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