Walmart card: Joint Account and benefits

[Unoriginalnj]

Hi all,

So my fiancé is in need of some new credit as we are working towards cleaning up her reports. She has a 589 myfico 646 experian fako and 589 CK fako. She has 4 charge offs from 2008-09 an old repo that allegedly is being deleted or at least shown as Pif very soon. She's au on two of my high limit cards and has her own cap1 with $300 limit and about $30 on it.
I'm hoping she could get her own walmart card (fico benefit plus we shop there) or maybe nfl card. However, I'm wondering if I did joint app for walmart, would we both get fico scores and would she benefit from tagging along with my good credit (meaning higher limit from Walmart)? Would a joint card reflect differently on her credit (positive or negative) than a card that was just hers? I suppose this question is true with any card - just happen to be interested in walmart as they appear to be helpful to those rebuilding.

Thanks and if you have experience with either card feel free to chime in!!

[pakman92]

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@Unoriginalnj wrote:
Hi all,

So my fiancé is in need of some new credit as we are working towards cleaning up her reports. She has a 589 myfico 646 experian fako and 589 CK fako. She has 4 charge offs from 2008-09 an old repo that allegedly is being deleted or at least shown as Pif very soon. She's au on two of my high limit cards and has her own cap1 with $300 limit and about $30 on it.
I'm hoping she could get her own walmart card (fico benefit plus we shop there) or maybe nfl card. However, I'm wondering if I did joint app for walmart, would we both get fico scores and would she benefit from tagging along with my good credit (meaning higher limit from Walmart)? Would a joint card reflect differently on her credit (positive or negative) than a card that was just hers? I suppose this question is true with any card - just happen to be interested in walmart as they appear to be helpful to those rebuilding.

Thanks and if you have experience with either card feel free to chime in!!

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showing as PIF will not help your score.  having it deleted will help.  She should try PFD (pay for delete).  I can't comment on joint walmart account (i didn't it was even possible) and whether you will have access to both of your scores.  

As far as positive/negative impact of joint vs. individual accounts, I do not believe it will have any impact either way everything else being equal (same CL).

[scarzy]

To my knowledge, there's no joint app. You can put her as au, but only you wil get the fico score.