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SoleyRuiz

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how fast can piggybacking on my boyfriend crdit card increase my credit scores
How does piggybacking work exactly

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It depends on how your boyfriend uses his credit. If he uses the card responsibly (doesn't max it out and utilizes less than 30% of the card's limit, no late payments, actively uses the card to show usage history), then your credit score can probably jump quickly as long as you keep the rest of your credit in good standing. Piggybacking works by you becoming an authorized user on his credit card, its like co-signing except an authorized user isn't obligated or required to pay the bill if the account owner fails to pay.

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