Hey there! 
That's awesome your Grandmother is willing to add you as an AU. When she does you should see a nice little bump, dh's mom did this and he got a 20 pt. bump. Helped with age, I don't remember by how much though. Once that happens and reports would you let us know the results?
Also, have you gotten the additional scores from Exp. yet? If not, wait a little for the AU card to report (you can check that for free on Credit Karma) then sign up or renew subscription to Exp. (sometimes free, or 1$) and get those other scores.
I'm curious to know what your Bankcard scores are. Not just your Fico 8 but the others as well. Mortgage, Auto, Bankcard.
I'm not positive, you should ask this to CareCredit, but maybe your Grandmother could app for it and pay your bill that way. (you making the payments of course) But she MIGHT be able to do this without making you an AU and lowering your AAoA. I know I can pay my dil's bill without adding her......I just don't know if it can be done before hand to get that Promotional Deferred Interest. (That you would have to look in to) Anyway, it's just a thought, never hurts to ask.
If that could work, she might be able to get closer to 7k from the get go, just depends on her credit though plus her willingness to do such. I would respect her answer either way, that's sometimes a sticky subject.
You said you have a "ton" of inquiries, yuck, me too.....try not to add to it if at all possible. The longer you go the better since you've gotten a lot. If you can't find a way to get a payment plan for Dental work maybe you could afford to get Dental Ins. to help knock down some of the costs, keep it til you don't need it then cancel. Good luck, hope it all works out.
Hi OP, I’ve only been in the credit game for 18 months now, so I know how incredibly slow and frustrating it can be to build up from scratch, but as many people have already stated here, it’s all about time. When I joined the forums, everyone here basically told me to spread out applications this early on and to just garden. I was also advised to limit store cards, and to check out credit unions. DCU was the first to give me a generous $5,000 Visa, and then after gardening for 8 months, I got approvals for $8,500 and $8,000. I also got CLI up to $10k and $11k. I made sure to keep utilization low, didn’t max out my cards, and implemented AZEO before applications so that my scores would be optimized. I also read up as much as I could on lenders and cards to see if they were right for me and my odds for approval, to avoid unnecessary HPs.
My advice is to pay down your cards to get utilization down and implement AZEO to see where your scores are at. The AU should help your age and hopefully approvals, but there are no guarantees obviously. I’d also look into building a relationship with a CU since they have great rates should you ever need a loan or a low interest CC. Good luck and let us know how it works out!
My advice is to pay down your cards to get utilization down and implement AZEO to see where your scores are at. The AU should help your age and hopefully approvals, but there are no guarantees obviously. I’d also look into building a relationship with a CU since they have great rates should you ever need a loan or a low interest CC. Good luck and let us know how it works out!
