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🔑 Understanding the difference: cosigner vs. authorized user 🔓 💳 When it comes to credit, it’s important to know the distinctions. 📚 ✍🏽 A #cosigner pledges responsibility for a loan, sharing equal responsibility with the borrower. It can help secure approval and improve credit but carries joint liability. 🔐 On the other hand, an #authorizeduser is granted access to another person’s credit account, which can help build credit history but without legal obligation. 🔁 Remember, knowing these