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Co-signing and credit scores
Posted on 1/25/10 at 8:39 pm
Posted on 1/25/10 at 8:39 pm
I'm trying to get my credit score up from no credit to respectable. In my attempt to do this, I got my mom to co-sign with me on some furniture... or so I thought. Turns it, she is the primary person and I co-signed with her.
Does this matter from a credit score standpoint? Will I still get the same credit score bump if I was the primary and she co-signed?
Does this matter from a credit score standpoint? Will I still get the same credit score bump if I was the primary and she co-signed?
4
Posted on 1/25/10 at 8:49 pm to Ole Miss Sucks
Yes, if it's a joint loan it is reported on your credit as well as her's.
Posted on 1/25/10 at 8:57 pm to Ole Miss Sucks
get her to add you as an authorized user of one of her credit cards
Posted on 1/28/10 at 12:36 pm to Ole Miss Sucks
I heard the cut that loop hole out but maybe not.
Posted on 1/28/10 at 1:03 pm to Ole Miss Sucks
If banks still issue cash secured credit cards as they did before dead people could obtain credit cards with $15k lines I would consider that type card. Put up $500-1500, get the card in your name, your credit record. I would not allow a family member to have authorized use of my credit card, period, nor would I want to co-sign a loan.
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