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For years, parents have listed their kids as authorized users on their own cards to help the kids build a positive credit history. That works because the three major credit bureaus — TransUnion, Equifax and Experian — report authorized user status, and those are taken into account in most credit scores, though it may not be weighed as heavily as an account that the user has responsibility for paying. That means that, as you use your credit card responsibly, your authorized users benefit, though perhaps only slightly.

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