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bluewes6

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can adding an authorized user affect me negativley
trying to build credit to buy a house. should i add my non working 9yr girlfriend to my credit card acct so i can boost her credit and cosign?

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Adding someone to your credit card as an authorized user will have no impact on your credit score.   The affect will be to the person you add depending on the status of the account  (Age of account, timely payments and Utilization.)   The affect to you will be on how they and you manage the account.   As they have the ability to charge to the account, this can impact your score as it is reflective of the account, no matter who did the charge.  You take on the financial responsibility of all of their decisions of that card.   Also, while you have been together for 9 years (congrats by the way) you have no means to go after her for any debt created on the card that you don't have a binding agreement.    You did not indicate how long your girlfriend has been non-working.   A non-working person does not add any benefit to a mortgage application as their is no income.    You should consult with a mortgage broker on their recommendations for your loan application.  

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