So my credit has been a roller coaster for most of my adult life.
It was bad, then I worked until it was very good then life kicked me and back down to bad. Its not terrible Im high 500s with all my scores.
Luckily I married a woman who is wonderful in every way, inculding her credit.
She added me to both of her Prime CC acounts as an AU. An AMEX BCE and a Wells Fargo Cash Back card. I also have my AMEX Platinum that I somehow managed to not get closed through my recent down turn. AMEX has me on a fairly short leash on the Platinum though. I just was approved for a Capital One Quicksilver card also.
My question is I read everywhere that for the best score improvemnt I need 3 revolving accounts and 1 installment. I have the installment in a US Bank RV loan and my question is this .
Does being an AU on my wifes cards count as one of my revolving accounts in the above scenario? OR should I have 3 revolvers in my name instead of being an AU?
THanks in advance for the help.
