I am working diligently on my CC UTI, and should make the 700+ club after paying off CC's, but would like to refi my mortgage later this year.
My current lender does not report my mortgage or car loans with any CB. Because of this my DH does not exist with any CB, we cannot even get a report after faxing in license, etc. to CB.
If I apply for a joint CC account (after my scores are back up there) who's score would they look at for new CC? Will my score alone (assuming 700+) be enough to qualify with anyone? Haven't seen any information along these lines before, but thought maybe we could avoid the whole secured card/high fee scenario this way. He apped for Cap 1 a few months ago, but was turned down, and I don't want to build up a slew of inquiries. He should have nothing negative on his report either (if he existed that is) :