The myth behind authorized users.

Alot of people say adding your wife to your credit card or vice versa will help your credit. Well that is more false then true. Because many scoring models do not score authorized user accounts, so they may not help the other person.  But they can just more then likely they will not help.  When adding somebody as an authorized user the only change will be the addition of the authorized user account to their credit history.

The biggest risk is that the authorized user will abuse the privilege and make charges that you cannot afford to repay. If you can’t make the payments on time, the late payments will appear in your credit report and will hurt your credit scores.  Although authorized user accounts are not always included in credit scores, they will result in a credit history being established and eventually can help your wife qualify independently for her own accounts.

If you are on somebody's account as an authorized user and the account becomes delinquent It can have a negative effect on your credit score. The good news is that it is easy to fix and get removed from your credit score since you are only an authorized user and not joint account holder you are not responsible for the debt. 

You may contact the credit card company and request to have your name taken off the account. Because an authorized user is not responsible for making payments on an account, they normally remove you upon request. You can then contact Experian and request that the account be removed from your report.

I hope this was helpful as i wanted to keep it short and not long and drawn out. If you have any questions just leave them in the comments and I will answer them as soon as possible.