In the long run, these three factors are pretty small compared to maintaining good credit habits like paying your monthly payments and keeping your account balances low. (badcredit.org)
Being an authorized user can also hurt your score if the account holder doesn't pay the bill on time, so make sure you ask someone with good credit habits. (nerdwallet.com)
Developing good credit habits early can save you from numerous headaches down the road. (valuepenguin.com)