Authorizing users for credit involves granting them access to a credit account with the ability to use the account but not necessarily holding responsibility for payments. To authorize, the primary account holder must provide the user’s information, such as name, address, and possibly Social Security Number. The authorized user gains credit benefits, such as improving their credit score, as the account’s activity reflects on their credit report. However, the primary holder remains fully liable for payments. This process is commonly used to help individuals, like family members, build or improve their credit profiles through shared positive account history.