- Centurion Member
- Posts: 725
- Joined: Mon Oct 01, 2012 11:09 pm
- Location: NJ
Yes, Time. There is no way to improve a score over 700, overnight. I actually doubt that doing anything other than gardening will improve a credit score over 700 in the short term. The biggest problem is that you added a new card to the account. That negates 90% of the bonus of adding an AU, from a score perspective.
But you need to look long term. I can guarantee that in 6 months with perfect payment history her score will be much higher than if you had never added the account
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k