Now if everything goes hopefully the way I think they have you set up your score will helped being raised as you both make payments on time and when the vehicle is paid off or traded (if you both decide to do so in a year or two) then it will show as you have a paid off vehicle on your report which will help you out a LOT! (on the car/vehicle side of the Credit world) haha and somewhat for the other side (payments on time will help with that part).