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I guess I was wishfull thinking about my scores going up in a few months the more reading I do seems like 18 months is more realistic. I am a AU on girlfriends account. I am looking to get a home depot credit card and a Fidelity card also (which is at my bank) She is willing to get the cards for me and make me AU on them. Which will help my credit more being a AU on the cards or having a joint account? is there a difference on scoring between the 2? The reason im asking is I have a small bussiness thats been running for 15 years but the last 2 its very hard to keep busy and have to work for much less sometimes to keep working. A short term credit line would be a big help with cash flow
thanks again