Piggybacking Reappears in FICO Score Calculation

Although perfectly legal, over the last several years this technique was sorely abused by credit repair companies who rented out authorized user status to anybody for a fee. The creditors and credit reporting bureaus were so alarmed by what they saw as an abuse of the system that they stopped including authorized user accounts altogether in the credit scoring calculation. The company itself estimates that there are 50 million legitimate authorized user accounts in the US so excluding them from the credit score calculation had a wide ranging affect.