@Dalmus wrote:As long as you're confident he's not going to abuse the cards (no offense meant, we just don't know why he needs to be rebuilding, that's all), I would go the authorized user route. That way, if there IS some issue going forward, you can cancel the that card without cancelling your own.
He has never abused any credit! He had the three medical collections from 2009 and had his car paid off in 2012 and paid off AND CLOSED his credit cards in 2008 - so basically his credit history was close to nil. It took me a LOT of nagging to get him to start some active tradelines last year so that we could qualify for a mortgage...he didn't know much about credit, so he thought he was ding the right thing by living debt-free, with no credit cards!
So yeah i would be fine with him using mine 
@Anne1208 wrote:My husband and I are closing on a house in a few weeks. Once that is all squared away, we'd like to open a couple of extra credit cards, preferably one with some worthwhile rewards that we can put all the household gas/groceries on each month, and another for our work travel expenses for which we get reimbursed.
Right now, all of his MyFICO credit card scores are showing between 630 and 670. Mine are all showing between 770 and 825.
My question is this...
If I want to get a couple cards with higher limits and low interest rates, should I just apply by myself since I have a much higher credit score and add him as an authorized user? He has 3 6 year old collections that will come off his report next year, and hes been using two low-limit cards, so things are climbing for him but I don't anticipate his scores really getting in the "very good" or "excellent' range until mid-late 2017. The low limit cards are fine for credit building for him, but useless if we want to put work expenses on them or groceries - we hate using it and seeing our utilization going to 30% just because we carry a measly $300 balance for a couple weeks.
Also, is income vs. debt considered? I have a lower salary than my husband (abotu half what he does) and his only debt will be the house, versus mine will show the house and my six-figure student loans.
Yes you should just apply for yourself.
I don't see why you need to add him as an authorized user, but if you do feel the need, then go ahead.
