@JayTea7 wrote:Great, thank you!
I apologize for so many questions but I have another.
So the discover card we have been talking about is my wife's. I have a discover it secured card. She doesn't enjoy the credit game as much as me lol.
My credit is 771 according to MF. I can't get approved for anything due to limited credit history and I have been keeping the balances at $0. I guess I need to use it more and let is cycle. I do not have any derogatory marks.
Would it be wise for my wife to add me as an authorized user? She did in the past but I had myself removed. Did to utilization.
Her card has nothing to do with your credit report.
Yes it might be temporarily helpful to be an authorized user on her account, once the utilization on it is down.
