Senior Contributor
Noah_Bodie
Posts: 4,635
Registered: ‎03-11-2007
New tradelines tend to push down a credit score. If you w...
New tradelines tend to push down a credit score. If you wife opened a CC on her own, it would have an open date of April 2007. Those can push down a score, particularly a lot all at once.
 
But, if these are established accounts, they will show on both you and your wife's report the same. If the CC was opened in November 1995, never late, has an $8K credit limit and a $300 balance, that will show on your wife report and she will benefit from it once the CC company reports. Takes upwards of a month to get on the AU's report. If you add her now, she should be on there by mid May.