Good morning. As the weather is warming up, my SO & myself are preparing for an upcoming international trip. One of the last things on our list requires him to have a credit card in his name with a remaining balance of $3500 available, so I'm naturally looking to add him as an AU to my Discover card.
A little info: his credit score is rather poor at the moment. He has about 9 months of on-time payments on a seven year old auto loan before it was paid off & closed (transferred to another loan under ex's name), but no other credit reporting. There is currently one baddy reporting on TU & EQ. And we recently found something small on EX that will be disputed. I don't have a real credit score for him - CK's FAKO score estimates between high 500s & low 600s. Not enough to qualify for anything but a small secured credit card, by any means.
So my question is if I add him as an authorized user only - not a joint user, which Discover told me they don't allow anymore anyway - can his current credit score or history negatively affect me? We are working toward resolving the baddies on his credit report, but I want to ensure they won't come back and harm my credit in our efforts.
