You can use wallet hub. Look at your credit report and your accounts will indicate if the account is yours or you are an authorized user. If you want to help a family member who you trust build their credit you could add them as an authorized user on your credit cards. Some credit cards don't offer this option and some will charge you to do but most of the good major credit cards gives you this option for nothing. The way it helps build credit is if you are responsible with your credit cards it can have impact on their credit score since it looks like they are responsible too. It can also increase their credit card utilization showing that they have more credit available to them as long as you do not max out your cards and use them reasonably. To be on the safe side, I have noticed on some credit card sites when you add an authorized user it will ask you if you want them a credit card to be sent to them. If you have any doubts about putting a credit card that your responsible for in someone else's hand choose this offer. I am trying to build my son's credit and I have been adding him as an authorized user without sending him the card and not letting him know that I have done it because he is at that age where he doesn't really understand how credit works and tends to be on the irresponsible side at this time. Hopefully that will change and when it does he will find out his credit is in good shape.