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Can you build another person's credit on a card when you co-sign with them without them actually using the card?
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When I was in college, my parents gave me for emergency use only, an American Express card, I was an authorized user on the card, but the card was in my name. Having a credit card in my name, allowed me to use that card, (which I never used) to get other credit cards in my name, so it was a jumping off point in establishing credit for me.
Did it do anything to my father's credit? Not a thing. But having that card allowed me to get credit cards on my own.
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The person with bad credit would never even TOUCH the card once, but since the other person co-signed, I'm assuming they could use it while simultaneously raising the other person's score. Is this correct?
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No, because a co-signer is only a promise to pay in the event the original signer defaults.