@Mary4317 wrote:If I became authorized users for a few of my sisters credit cards, would it help? My short term goal is to be approved for my own cards, secured or not. At the moment , i'm being declined for everything. Right now if have no credit lines on my report whatsoever. So I was thinking this might help.
The Cards are:
Target
CareCredit
Bestbuy
They all are at about 50% util.
We have the same address, We bought a house together a year ago, but I was unable to be put on the mortgage because of my bad credit.
With a UTL that high it could do more harm than good.
What is her payment history like on the cards?
*8/10/13
@Mary4317 wrote:Thanks for your help.
I know she has one late on the Target just this past month. She sent the payment online before the due date but it didn't get there on time. Maybe she can gw to get it removed when the report? Bestbuy has never been late.
She's working to pay BB and Target down to 20% over the next few months.
Care credit..i'm not too sure about. She has a boobjob on there and she is getting her cat spayed next month with it.
If Target late pay is her first one, she should try to GW for sure.
Sounds like the BB card would be the best to add you on as an AU but I would not suggest doing so until it is paid down.
And I know nothing about boobjobs or cats so I will stay away from Care Credit. 
The best thing I would suggest....IF you can afford it would be to get yourself a secured card at this point. That would help you build your own credit much better and faster.