- Platinum Member
- Posts: 55
- Joined: Sun Dec 16, 2012 8:25 pm
- Location: Illinois
My husband never cared to think about his credit score before we were together, we even have 5/3rd's Identity Alert ($8/month) for both of our credit scores every 30 days and he's maybe checked it twice out of the year we've had it.
Now that we're saving up for his car (currently sharing mine) and possibly a home in the future, he doesn't want his score holding us/him back.
Reporting on his report as of 7/23 is:
Experian - 674
Equifax - 607
TransUnion - 600
1 collection (for a cancelled Verizon cellphone plan, $375, that I'm still working with the collector to settle for a lower amount)
He had a personal loan that his father paid off a long time ago, and it says "On average, your accounts were opened 3 years and 2 months ago" so I'm not sure if this is his AAoA or not.
And last but not least he is an authorized user on my Chase card, and that is reporting but I've heard somewhere that this doesn't help or hurt him?
I made him an AU on my new Discover card as well, but that won't be reporting for another cycle. I really don't want to sign him up for Capital One's secured card as mine is the crappiest thing we/I have, but I don't know what he would really qualify for with a) a 600 avg, b) a collection and c) not much reporting recently besides an AU account.
I wondered about opening a joint credit card, but I don't want my account to take a hit right now with another inquiry.
Chase Freedom: $800
Chase Slate: $500
Discover It: $2000
US Bank: $500
AMEX BCE: $2000