Does Discover Report Authorized Users to the Major Credit Bureaus?

Trying to navigate the challenges of maintaining your credit can be extremely difficult. What will change your credit score? If you are an authorized user on a Discover credit card, you may find yourself wondering if Discover will report you, as an authorized user, to the major credit bureaus.

DoNotPay can help you learn more about what impacts your credit, including being an authorized user on a Discover credit card, and how to navigate potential credit challenges.

What is an Authorized User on a Discover Credit Card?

Authorized users are secondary users who are allowed to use a Discover credit card account, but who are not the primary account holder. They will usually have their cards in their names but do not have full privileges related to the account. People may add authorized users to their credit cards for a variety of reasons.

• Some people will add a spouse to give them access to the account.
• Families may choose to add minor children to help them build their credit.
• Some people may try to help out friends or family members by providing them with access to a credit card.

Authorized users have the right to use a Discover card, but usually cannot make changes to the account, including asking for a credit increase. Furthermore, authorized users are typically not responsible for the debt on the card, which is usually the responsibility of the primary user.

Does Discover Report Authorized Credit Card Users?

Discover, like many major credit cards, reports authorized users to the major credit bureaus, which means that it will appear on your credit report. In many cases, that means the primary account holder's actions will have an impact on your credit score.

1. A strong, positive history can have a positive impact on your credit. It will continue to positively impact your credit as the primary user makes payments on time.
2. If the primary user has a low Discover credit card utilization rate, compared to the amount they can take out, it can have a positive impact on your credit.
3. If the primary account holder has high utilization, it can harm your account.
4. If the primary account holder misses even one payment, it may hurt your credit. The impact may be worse if the account holder regularly makes late payments.

It's important to carefully consider how the Discover card's primary user's actions, or the actions of other authorized users on the card, could impact your credit before choosing to sign up as an authorized user on a Discover credit card.

How You Can Solve Credit Problems Related to Being an Authorized User on a Discover Credit Card

While there can be some advantages, including credit-related advantages, to being an authorized user on someone else's Discover card, there can be some serious disadvantages, too. If the other party fails to pay their bill on time, you may find your credit taking the hit, and you may find yourself with little you can do about it.

Fortunately, you can contact Discover and remove yourself from the account, which can help remove those problems from your credit report. You can contact them through

Let the representative know that you need to remove yourself as an authorized user, and they can walk you through the process, get you off the card, and stop its impact on your credit.

DoNotPay Can Help Clean Up Your Credit Report

Do you need to remove yourself from your account, take care of incorrect charges on your account, or otherwise fix up your credit report? DoNotPay can help. Just follow the easy steps below.

1. Search Clean Credit Report on DoNotPay.

2. Prepare a recent copy of your credit report that you can use as reference.

3. Let us guide you through the 4 potential options:

1. If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.

2. If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.

3. If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!

4. Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.

You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more.

DoNotPay Makes Managing Your Credit Easier

DoNotPay is fast, easy, and convenient. It can make it easier to take care of many of the tasks related to managing your credit, including fixing up potential problems. We can help

• Remove late payments from your credit report.
• Remove inquiries from your credit report.
• Remove collections from your credit report.
• Receive a debt validation letter.
• Learn how to improve your credit score.
• Learn about credit dispute letters.
• Fix your credit score.
• Dispute an inaccuracy on your credit report.

Ready to Get Started?

If you need to remove yourself as an authorized user on a Discover credit card or take care of other credit score issues, DoNotPay is here to help. Check out our credit repair tools today to learn more.

What Else Can DoNotPay Do?

You can use DoNotPay for more than just cleaning up your credit report we have more products that can make your life easier when faced with legal issues

• Cancel Any Service or Subscription
• Financial Aid Appeal Letters
• Help With Bills

Sign up with DoNotPay today.