I asked two members about this method AU on my stepmother credit line, i am trying to get a boost in my credit score to purchase a used car before the weather gets really cold that is nov in dc. Right know my average credit score is at 575 for all three CR. I read about this method online, I have a active credit card now but i takes time to build the score. The reason why nov is great is because a 4000. debt falls of my account is November which means i will be CA debt free.