Hey everyone,
I am asking if it is a good idea to add myself on my dad’s credit card for a year as an authorized user after I’ve already had a credit card for a few years. My dad is a difficult person, so I didn’t really want to get involved with him. However, my own account has been suffering from a lack of history. I know he has a very high credit score and history, and I understand that adding myself as an authorized user would benefit me in this. If I added myself as an authorized user but didn’t use the credit card, would that affect my credit? And after I add myself and wait for a bit, will his credit history be given to me and will that stay permanently on my account even after he removes me in the future?
Thank you!
>My dad is a difficult person, so I didn’t really want to get involved with him.
DON’T DO THIS. EVER. I MEAN, NEVER EVER.
You will only cause yourself pain when something goes wrong.
You can’t add yourself as an authorized user. That would be up to your dad. You also wouldn’t be automatically given his history and would still need to build up your own score
You may find these links helpful:
– [Credit Building](/r/personalfinance/wiki/credit_building)
– [Credit Reports](/r/personalfinance/wiki/credit_reports)
– [Credit Scores](/r/personalfinance/wiki/fico)
– [Credit Cards](/r/personalfinance/wiki/creditcards)
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*
Why not open another cc of your own.
If the card reports history for authorized users, a tradeline for the card will appear on your report and affect your credit score just like any of your cards – how old the card is, how much of the credit line is used, etc. will affect your score.
You will not be “given” your Dad’s credit history, and when you are removed as an authorized user, the tradeline will be removed from your report.
Yes, it should improve your credit score, but if your dad is a difficult person, why do it? Your score will climb on its own with time.
You don’t get his credit history you just get the boost from the card you are added to.
Look new free site Anal Tube
Thank you for sharing indeed great looking !
Thank you for sharing indeed great looking !
Right here is the right website for anybody who really wants to find out about this topic. You realize a whole lot its almost hard to argue with you (not that I personally would want to…HaHa). You definitely put a new spin on a subject that has been discussed for ages. Excellent stuff, just wonderful!
Would you be involved in exchanging hyperlinks?
Hottest Granny Porn for FREE!
forum levitra en ligne Keep hydrated and carry cold water with you