Can I use 1 or 2 of my wifes accounts to help my score ? TU=552 EXP=640 EQF=646 Will it help my score and how do I do it ? Thank you
Yes you can use your wifes account to help boost your scores. It's called authorized user. Just have your wife call the credit card companies you want to become an AU on, and have her tell them so. You'll get your own card with your name on it. Also, have her ask them if they report AU's to the CRA's, if they do not it won't help you. And only become an AU on an account that has no late pays.
Ok I have no late pays but only 1 open account I also have 1 derog from 1998 from a condo I sub leased for 178 dollars to public service she has scores of over 780 and up can I go on say her Cap 1 account do they report and will they report full history ?
As far as I know C1 does report AU's. BTW, those scores are smoking. Become an AU on every card you can with her. Your scores should get quite a boost.
Will it hurt my wifes credit if I go on as an AU we do not have our files mixed so I want to make sure she will not be affected
