I am working on rebuilding my credit while I'm waiting to redispute the "already investigates". So far I have gotten a 250 First Premeir (fees were harsh) and it is 8 months old. (I didn't take the 100 cl increase because it would cost 25 bucks) I pay 6 bucks a month to have it. also a 500 Household bank 1 month old (fees were more reasonable, but still ouch) I pay about 4 bucks a month (plus annual fee) I have an AmEx Charge (pay all every month) since 99 My first question is should I keep First Premeir or drop it completely and avoid the annual charge? Second is that I've cleaned up my mother's credit (guess the roulette wheel landed on red for her) and she is willing to add me as a joint user. How would I apply for a credit card as a joint user with her online? Is it a good idea? And just for fun, how do I get CRAs to report Authorized User accounts, do I contact the OC or the CRA?? I called one OC and they said they can't do anything.
You might be better off if she added you as an AU on an account she has already established. You should get the benefit of her entire history reported on your CR.
