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Question By
sstacy19

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8 People Helped
I need to ad a credit history is this the best way?
After reading opinions that it helps to get onto a family member who has good credit's card. I asked my Uncle who has had an amex since 1967 and has the platinum card and he has agreed to put me on as a user. I am trying to build my poor credit to buy a house. I have many old dr bills on my report but no credit card or retail deliquencies. I pay Greenpath $120 per month on the dr. bills now. My problem is that my credit history is only 7 months old. I haven't bought anything with credit since my last lease vehicle in 04 and dumb me, I disputed it to get it off my report, even though it reported no late payments. This summer I took out a $3000 loan with my truck and opened a $300 credit card. WIll my uncle adding me to his card give me an older history? Now I do not know anything about AMex, my boyfriend said I should be worried about whether or not he pays on time. I assume that he does? But how long after the due date do they start reporting to the bureaus? PS, my scores went from 513, 520 and 531 to 651, 630 and 608 since July. Any advice would be great. The mortgage lady says i am still a year out from buying a house, because I lack a history. I do not want to wait that long. Thanks!

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