Reg B Clarification of Authorized User

section 202.6 b (6)(i) states that authorized user credit history should be included in the credit decision process. Do you count the debt or is it simply to determine the credit- worthiness of the consumer. My confusion is with the fact that they would not be contractually obligated to make the payment so why would this information be used.

I believe that is meant to mean that this is another means of obtaining credit history on someone who may have limited credit.

That's how I read it also, but it could be a double edged sword. If the history is good then Great, but if it's bad and they aren't contractually obligated then Bad, Right??

I guess that would depend on whether you give it any credit or not.