Contributor
tboy1977
Posts: 221
Registered: ‎07-11-2012
Re: New here. Few questions regarding credit cards

She is where she needs to be.  You may want to open a card for yourself and possibly AU her, but that's about it.  Assuming she has no negatives, keep the CC balances under 5% and she'll be good.

Starting scores: EQ 420, EX 421, TU 405 (Jan 2011)
Bk Ch 7 Discharged Mar 2011
Current scores: EQ 456, EX 534, TU 411 (Aug 2012) FICO (8/2012 -- EQ 564, EX 584 (from BofA) TU 551)
Goal scores: EQ 700+, EX 700+, TU 700+

Credit accounts: 30% APR auto loan (Jan 2012), Secured [CapOne (3K), PNC (1300), NFCU (1K), Coke (2500)] and Target (200)