ORIGINAL MESSAGE- Hi, I have a question- I have built back my credit from bad to very good (732 FICO) over the past 3 years. I am soon going to apply for a mortgage with my boyfriend who has no credit to speak of. I recently added him as a cardholder on my Amex Blue account in the hope that this would help to establish for him some kind of credit history. Is it true that he will "inherit" my good credit history by being associated with me through the Amex card? He has only been a cradholder for two months and made two payments. I would appreciate any information on how I can help him get out from under the "no credit" (which seems to be viewed as negatively as bad credit) status. Thanks! JUST AN UPDATE _ we applied for the mortgage and my boyfriend (who previously had a VERY low score due to insufficient credit history) now has a score of 741!! it seems that he has inherited my good score (755 or 757 depending on source) although the mortgage broker was confused as to why he was even getting a score as there are no accounts or anything associated with him. Not even the Amex is showing. But he does have a very good score. Strange but good...
