Is there a joint secured card???

[Anonymous]

...that would build my credit and my husbands???  with one deposit. =)  I think you see where I am going with this... lol

I googled and nothing was obvious.

[Anonymous]

Bump?

[damnedanddetermined]

We have a joint secured card through the credit union where we bank. We also have a small (6k) secured loan as well through them, that is joint. Call your CU in your area to see if they offer this, I think most do. It has def helped with jump starting our ficos. I hope this helps, and good luck!!

[Anonymous]

What you shoud do is get a secured card in one your name and then get your husband added as an AU (authorized user).  That will work also-

It will build both credit profiles if that is the ultimate goal-

[damnedanddetermined]

I think that fico sees it more favorable if secured card is in both names, rather than just an authorized user...according to my CU.

[Anonymous]

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@damnedanddetermined wrote:

I think that fico sees it more favorable if secured card is in both names, rather than just an authorized user...according to my CU.

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FICO has no memory and doesn't calculate score base on whether someone is primary on an account or secondary.  Do you have a link you can link-up for us to see where you got this info. from?

We all here to learn so a link to how you arrived at your conclusion will be helpful...

[Callandra]

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@Anonymous wrote:

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@damnedanddetermined wrote:

I think that fico sees it more favorable if secured card is in both names, rather than just an authorized user...according to my CU.

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FICO has no memory and doesn't calculate score base on whether someone is primary on an account or secondary.  Do you have a link you can link-up for us to see where you got this info. from?

We all here to learn so a link to how you arrived at your conclusion will be helpful...

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Maybe damnedanddetermined meant in the eyes of certain banks (as certain ones do not consider AU accounts, ie- Chase)?