re: Son finds out his mom messed up his credit and now he can't get a house

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You should do both. Authorized user first to start the credit and then when they’re an older teenager get it in their name alone. They should have the credit by then to have an account in their name alone

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Might be a little late with it but I am going to add my oldest son (17) to some of my cards today and get him his own card once he is 18. Having a credit history at 18 is such a massive advantage.