Crashburn wrote:I googled the joint user option a bit and it sounds like we then might need to provide SSN etc which would imply a hard pull. Any experience with that? If adding joint users means a hard pull then we'll go with the AU cause we prefer taking hard pulls later this year when we try to go for a Chase freedom or store cards.
It really depends on the creditor. When we did it with Chase I added my wife as an AU first, then a few months later added her as a joint user. No hard pull for her as they didn't increase the credit line. Every Creditor has teh right to pull a report if they want, so it would be best to ask the CSR if you can do it without a hard pull. They should be able to tell you.
As for apping later in the year; I doubt an extra inq will prevent a Freedom approval, and store cards should be very easy to get if you are able to get a Freedom.
I would risk the hard pull now (or at least ask about it), because it will have a direct impact on your credit report. If you can wait 6 months to app for the Freedom, then the Inq will be meaningless.