irvine801 wrote:My fianceÃ¨ has some issues with her credit (chargeoff for hospital and a credit union card as well) I was wanting to add her to my amex but I'm concerned because they ask for the full ssn. I don't want them to close my account or anything... She is going to declare a bk soon. Should I wait or not even do it at all even with the bk?
I'll just edit my response from the other thread since both have the same issue.
Piggy backing someone is not recommended regardless of relationship to the person in need of improving his/her credit history.
Safest and best way is to have your fianceÃ¨ open a secure credit card. Have her rebuild his credit history on her own and begin to take responsibility on her own volition. Psychologically speaking, you will/are not helping her by her relying to your credit history to have her credit history improve.
If the she has any open credit cards accounts, then she should keep those cards open.
Money is all about personal responsibility regardless of how people went from good to bad credit history. Hey, if you know how it feels to be at the bottom, then you will be careful next time not to sink again.
I know this is a harsh response but it will benefit her in the long run.