If I am an authorized user of a credit card for a period of time and the card owner has a good credit score and has a positive effect on my credit report, if I want to remove myself as an authorized user, will I lose all the score I gained from that account?

Simply: Will all the credit reports/scores(either positive or negative) be removed after we remove ourselves from the other one's credit card?

  • 1
    I don't think so. Your credit history remains.
    – RonJohn
    Jun 15, 2021 at 1:52
  • 6
    A hint: stop obsessing about your credit score. Get on your wife's card and then live below your means like every wise person should. Temporal blessings will follow.
    – RonJohn
    Jun 15, 2021 at 1:54

1 Answer 1


When you become an Authorized User on someone else's credit card, you inherit the card's history, good or bad.

If the card has a good payment history, is well-seasoned (4 years or more), and has a consistent low credit utilization (balance is 10% of the limit or less), removing yourself may result in a lower credit score.

If your credit is "thin" (you have few accounts reported), losing one account may cost you some points. If you have accounts in your own name that are relatively new (less than two years old), removing an Authorized User account may cause the Average Age of Accounts (15 per cent of your credit score) to be younger, causing you to lose some points.

The best advice I can give is to keep the account until you have four or five credit cards of your own if it is always in good standing with a low balance and the owner is willing. Dropping the Authorized User account would then have very little effect on the score.

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