Traditionally, many parents have been advised to add their kids to their credit cards as authorized users to help establish credit early on to help them get a head start in life. Sadly, not everyone has that parent with good credit to do that. Additionally, a large scale study of 300,000 credit profiles concluded that approximately one-third of our entire nation has one or more authorized user tradelines in their credit file and those people are benefiting from those tradelines. This same study pointed out that minorities and the lower demographic sectors were less likely to have this benefit, which is further evidence of the inequality that exists in our financial system.