hi all well i recently got a copy of my credit report and it looks like swiss cheese! late payments, collection on a few accounts, accounts closed by credit grantor....its ugly. in my first attempt to fix it i transferred $9,000 worth of credit card debt to a joint account with my father. its 12 months 0% APR. my question is will this joint account show up on my credit report now? if so should i have my father take me off the account before it gets reported? i basically want my report 2 show as thought that debt has been paid off to boost my FICO score. any help would be great!
i actually called last night 2 have myself taken off the account. they told me that i'm an authorized user not a co-applicant and therefore it would not show up on my credit report. that no credit check was done on me when the account was opened as my father is responsible for the balance of that card. so we'll see....
