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Will a joint credit card account improve both parties like having 2 individual accounts?
My fiance and I are looking to improve our credit scores so that we may apply for a home loan. Aside from a couple overdrafts and some fairly small medical bills, our credit is mostly clean (FINALLY). The only problem now is that our scores are very low, and we can not get unsecured credit. Would placing both of our names on a single $500 secured credit card account influence us both as if we each had $500 unsecured cards, or would the benefit be split between the two?
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earmbrust
1 year ago
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Well not split i.e. 50/50 but you would each have a tradeline on your account and it is treated like a regular credit card. I would go ahead since it sounds like you have no other open cards and get the secured cards rolling.
camalott4 1 year ago
As long as the on-time payments and account age are shared, that's what matters to us!
earmbrust 1 year ago