Article: If you know someone who has stronger credit than you do, they may be able to help you get a credit card. That person could use an existing credit card and add you to the account as an authorized user. This would give you automatic access to a credit account, and your bad credit report is not likely to hurt your friend..  If you sign on as an authorized user, you must make sure that you pay your bills on time. If you are late with payments, any delinquencies will hurt your friend's good credit, and may result in having you removed from the account. Parents are the most common people to grant authorized user arrangements  for their children. Parents who have good credit can get a credit card, or use one that already exists, and add the child to the account as an authorized user. Before signing on as an authorized user, you should find out from the bank how your payments as an authorized user will be credited to your own credit report. If the lender says that your payments do not benefit your own credit history, then the deal is of little use. You may want to look for another lender in that case. The primary card holder might ask the card issuer to establish a separate credit limit for you as an authorized user. This can be kept separate from the primary user's credit limit. You should consider what you believe you will need and how much you can be sure that you will pay on time. Credit reporting agencies see you as an equal credit holder, even though you may just get started as an authorized user on someone else's account. To vendors and the credit reporting agencies, you are another co-equal borrower. The primary card holder is counting on you to make your payments on time. You need to manage the account and the payments carefully, to help rebuild your credit. This kind of deal is usually supposed to be temporary, until you can rebuild your credit and get a card on your own. Before you sign on as an authorized user, you should check with the lender to make sure that you will be able to terminate the relationship at some future time.
Question: What is a summary of what this article is about?
Get a trusted friend or family member to help you. Verify that the account will help you. Know your credit limit. Manage the account carefully. Learn how to remove yourself from the account.
Article: Don’t try to dodge the issue if you cheated and your teacher caught you because it likely will not prevent you from getting into trouble. Instead, explain why you cheated. Be clear about why you made that choice. For example, if you didn't have time to study or couldn't grasp the material, be straightforward about it. You can say something like, "I made the choice to cheat because I didn't have time to study, which was in error. Next time, I will give myself more time to properly prepare." Be clear about which assignment or test you cheated on. If it was just on one assignment, you will want to clarify that you did not cheat on other assignments. Be aware that your teacher will probably want to review your previous work or keep a closer eye on your future work to make sure cheating is truly a one-time incident. If you cheated because you were struggling in the class, tell the teacher you need some additional help in the subject. Be specific about which elements of the course material you don't understand. They may be able to recommend a tutor or some additional resources. You could say: "I am not sure I understand how to measure the surface area. This was one of the reasons why I cheated on the test. Do you know of any tutors who might be able to help me understand this topic?" If you received a failing grade for cheating on a test or assignment, ask for a makeup assignment or extra credit work to start salvaging your grade. Your teacher might be able to give you a make-up assignment or have you do more problems than other students so that you can catch up. Being apologetic may lessen the consequences and punishment from cheating, but you will need to be genuine. You will need to take personal responsibility to move on from the incident. Tell your teacher the cheating was out of character for you and not something you intend to do again in the future. Although you will still likely be punished for cheating or plagiarizing, being remorseful can help minimize the lasting effects to your academic reputation. You could say: "I am very sorry that I cheated on last week's test. I understand that this was a wrongdoing and that my actions have consequences that I will need to face. At the same time I also want to reassure you that this was a one-time incident and it will not happen again."
Question: What is a summary of what this article is about?
Own up to your actions. Ask for help. Ask for extra credit. Show remorse.