[Karen37a]

It's not fraud for two reasons. The reason it still works is that the law states that anyone who has access to the credit shall get the benefit of the trade line history. Moreover, it is not considered fraud because the fact that it is just an authorized user and not account holder is (legally required to be) disclosed on the report, so there is not concealing of the fact. And it works quite well.

Some lenders take the authorized user out of the equation and use their own proprietary scoring model...back in the 90s up to the housing bust people were buying authorized users status from people who had 30 years of credit 80k tradelines etc