Consumer Comeback Blog

Credit Score Glossary: Piggybacking

Piggybacking: Improving one’s credit score by being added as an authorized user on another person’s credit card.

The concept is fairly simple: being an authorized user on an account with a positive payment history will boost a person’s credit score because that user will receive the benefits of having good credit without having to actually build the credit him/herself. The user is “piggybacking” on the good credit of another.

Though piggybacking has come under fire in recent years because some have used the practice to be deceptive, parents often use piggybacking with their children to build up their scores.