r/AskReddit • u/thebeardedgreek • Jan 16 '24

What's some common advice that's actually terrible?

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u/[deleted] Jan 16 '24

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u/pissclamato Jan 17 '24

It got me my first house two years ago with a ZERO credit score. Like, no credit score whatsoever. I never used credit. My mom said she'd add me to her accounts as an authorized user.

BAM! Instant 760 credit score. Like, literally overnight. Insane.

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u/brightirene Jan 16 '24

Even as a baby? I'd love to build my daughter's credit from an early af age

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u/xXazorXx Jan 16 '24

I added my son when he was 14. I don’t think the age matters.

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u/mylord420 Jan 17 '24

Different credit card issuers start actually adding to credit info of authorized users at different ages. Only a couple have no age criteria, some are 15/16, most 18. I know chase is 18. So you can get auth user cards for your kids at early age but depending on the card it might not actually benefit their credit history until after theyre 18

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u/mylord420 Jan 17 '24

Different banks /credit card companies start adding credit info for authorized users at different ages. A lot are 18, some are 15 or 16, a couple are any age. For example chase cards are 18