If my mom got a credit card and put my name as a user, will it effect my credit if she does not pay the card?

Question

Because I checked my credit report and saw that my mom has not been paying the card. It looks like its effecting my credit.

Answer 1

NO - Your mom is the person responsible for the card - not you.  However don't go on a wild spending spree!  You could lose more than money.

Answer 2

If it is in her name and not yours, they will go after her.

Answer 3

It's common for parents to add a child as an authorized user on their credit card to boost the child's credit score. That benefit will no longer exist under a new scoring model by Fair Isaac Corp., the company that developed the FICO score.

Use the source link to find out more about this from FICO.

Hope this answers your question.

Answer 4

no!!!!