I have read several posts on this but I want to make absolutely positive before I ask for such a big favor from my boyfriend. I just want the tradeline and would never think of actually using the card ever!! 1. Is there absolutely anything I can do to hurt his perfect report?? I understand if he becomes deliquent that it will effect me, but I know that would never (knock on wood) happen. 2. All his good tradelines go on my credit correct, but does his limits/balances effect my ratio since I am not responsible for debt?? 3. Just a guesstimate cause I know nothing is predictable from the RNG, just how much would it help my scores (see bottom) when he has 780's. If it isnt much I dont even want to bother with it. Thanks for your help....I just want to verify what I am gaining from my search.
LOL I will try not to take that personally I just wanted to know if it was the opinion of the crowd that it would be a significant jump or a baby jump. I am already having a problem in my head about having to ask him to do it the way it is. So if it wont be a good jump I dont even want to mess with it. Really embarassed about my scores and my past. I am trying to get a home equity loan/line of credit to consolidate everything i have since i have been told I will probally not have a job after 12/15 and the market for IT in Indy isnt so hot right now.
I don't think his score impacts you at all. It is the trade lines on your personal report. Sounds like you are a home owner. You may have more options. Was is an IT? My husband works for a Pharma company out of Indy but we live in PA.
Love that long hair. Reminds me it is time to cut my daughters bangs again. I don't know too much about information Tech but maybe you can a apply at Roche Diagnostics in Indy . That is my husbands CO.
roache would me nice...currently contracted to Eli Lilly, but my company lost it's prefered vendor statuse due to management conflicts (personal opinion) and my contract is up Dec 15 and my company has nothing else for me unless I want to move with no cost of living increase indy to san fran yeah right and no moving expenses or travel all the time...cant single mom so.....started job hunting on top of credit stuff
I put my daughter on as an AU for one of my accounts..the only tradelines she had before that were students loans that she is still accumulating. Her score jumped from 644 to 690 from that.
Wow Harp that's great. How old was the tradeline and LOC, if you don't mind me asking? My Dad just added me as an AU on one of his bankcards. It is a newer card but LOC is 15K. Just wondering if I might have a similar impact on my scores. Which are not too different than Jenasea's.
