It used to be quite easy (in fact, too easy) to establish great scores in a short time by simply adding someone as an authorized user. I had a client with a blank credit report whose mom added him to two accounts, his score was 720 45 days later. Now, however, authorized user accounts are not supposed to influence credit scores, and even if they do, an underwriter will likely not look kindly on a report that only shows authorized user accounts. My advice is for your client to get a secured credit card (or two) while also being added as an authorized user. It will take several months before the payment history on the secured cards will generate credit scores, but at least that way it will be activity your client generates, rather than just “piggybacking” as an authorized user. Hope that helps. Ted
I have heard that another way of quickly building credit is to get a loan on a vehicle. Though this would only be feasible if the borrower wants or needs a new car and has the income to pay for it. But it is a way to build credit and prove that they can make regular monthly payments.