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Helping my fiance apply for some cards

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Frequent Contributor

Helping my fiance apply for some cards

My fiance is an AU on multiple of my cards right now, but does not have any under her name as the account holder.

As a result of this, I did run all 3 FICO's recently and her scores were all around the 750's. So this has clearly helped so far as she had 0 credit over a year ago and it has all backdated on her reports to when I opened them.

I am just a little worried about her applying as her income is much lower than mine.

She makes $10-$12k per year, with me making more than 4X what she does.

Could I include my income in her application as we share a bank account together and pool together our money?

I just don't want her income to kill her starting credit limit as she would be using it to travel running some larger charges through it.

Furthermore, do banks/FICO even care about if you're an AU on a card over the account holder?


FICO 08 EQ: 747 // TU: 761 // EX: 759 // Goal: All 760+ // Age 23.
Building credit since 12/2013 // Gardening since 04/2017.
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Message 1 of 5
4 REPLIES 4
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Valued Contributor

Re: Helping my fiance apply for some cards


@TYREX wrote:

My fiance is an AU on multiple of my cards right now, but does not have any under her name as the account holder.

As a result of this, I did run all 3 FICO's recently and her scores were all around the 750's. So this has clearly helped so far as she had 0 credit over a year ago and it has all backdated on her reports to when I opened them.

I am just a little worried about her applying as her income is much lower than mine.

She makes $10-$12k per year, with me making more than 4X what she does.

Could I include my income in her application as we share a bank account together and pool together our money?

I just don't want her income to kill her starting credit limit as she would be using it to travel running some larger charges through it.

Furthermore, do banks/FICO even care about if you're an AU on a card over the account holder?


If she is 21 or older then yes she can absolutely include your income. That's considered household income, and most lenders allow any income that we have reasonable access to, but only for those 21 and older. Have her check out some pre-quals (Capital One and Chase). She would have a good chance with Discover as well.

Message 2 of 5
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Community Leader
Super Contributor

Re: Helping my fiance apply for some cards


@TYREX wrote:

My fiance is an AU on multiple of my cards right now, but does not have any under her name as the account holder.

As a result of this, I did run all 3 FICO's recently and her scores were all around the 750's. So this has clearly helped so far as she had 0 credit over a year ago and it has all backdated on her reports to when I opened them.

I am just a little worried about her applying as her income is much lower than mine.

She makes $10-$12k per year, with me making more than 4X what she does.

Could I include my income in her application as we share a bank account together and pool together our money?

I just don't want her income to kill her starting credit limit as she would be using it to travel running some larger charges through it.

Furthermore, do banks/FICO even care about if you're an AU on a card over the account holder?


Since y'all share bank accounts and have access to each other's income, you can add your income to her's on the apps.



My most prized tradeline.
Message 3 of 5
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Frequent Contributor

Re: Helping my fiance apply for some cards

Might want to be careful because some lenders do not look at AU accounts on credit reports so if she doesnt have any accounts of her own than you might want to stay away from lenders that dont look at AU accounts....

FICO Scores starting as of 3/11/16: EQ-607,TU-639 ,EX-627 (6/22/2016 EQ-621,TU-637, EX-653)
USAA Classic 1k, F.Premier 300, CreditOne 600, CareCredit 500, CareCarOne 700, AmazonStore 3500, WalmartStore 3500, Target 700, VS 250. Cap1 Plat 800 Lowes 300..Legacy 500 and Blaze 750..AU on Cap1Quick 300...ULTI 65.2%
Goal is 700 across all 3 scores by Christmas of 2016
Message 4 of 5
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Valued Contributor

Re: Helping my fiance apply for some cards

Yes adding here income should be done in this situation. I'd imagine it would only help, unless there is an issue like mentioned in the post above.
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


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