Well she is a he lol and now that I am a year and two months plus into it the only card that didn't and never will graduate is open sky. Look at my line up in my siggy. I have a pretty **bleep** good line up in a year time plus I now have a 30k+ auto loan through NFCU.
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The fastest way to bump those scores, is for you to be added to 3 of the oldest tradelines you can as a AU. All with perfect payment history.
Wait a few months, and then apply for a couple of CCs of your own. You can skip the secure cards. Go straight to unsecured.
I've done this for multiple family members. It works like a charm. Your scores will be closer to 800 than 620, depending on how old those AU tradelines are. Just make sure the CC companies that you are added to back date.
