Question
Does having a credit card with someone else help your own credit?
My boyfriend and I have a credit card to a department store. When he originally applied, the application asked if you wanted to add another user. He put me down as a user but did not include my Social Security number. I was just wondering if that helps my credit score or does it only help his? not like it matters but Just wondering.
1 month ago - 2 answers
Best Answer
Chosen by Asker
If he just put you down as an authorized user of the account, such as you getting your own card, I don't believe that effects your credit. However if you apply for the card jointly, and you own the account together and are equally responsible for the debt on that account, then it would either help or hurt your credit.
Source(s)
me
by James S
1 month ago
Asker's Rating: 
Other Answers
No it won't help your credit he only authorized you to make charges. You are not actually on the account it would have to be a joint account but they would have to have your social.
by Baby boy due March 7, 2010- 1 month ago