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Hey community members! What's the best way to get a person into the door on building a credit history? I recall I got into it when I started out in college, however, my spouse doesnt have the fortune of being instantly selected by creditors preying on broke college kids. Although, I wished she did!
Secured cards are usually a pretty good starting point.
What is her chances of getting a secured card by herself vs me co-sign for her?
I agree, secured cards are a good place to start. There are plenty of places you can get one-- many/most banks and credit issuers do offer them. I highly recommend doing the secured card through a credit union. They are usually easy to deal with. Good luck!
You don't need a co-signer for a secured card, you just have to pay the security money up-front. I've heard of some people getting denied secured cards, but I believe that is rare. If she doesn't have a lot of baddies, and it's just a lack of credit history, she should be able to get one on her own.