So a little background-right now credit isn't great, have lates on about 5 cards from about 1 1/2 yrs ago when I had a baby, was overwhelmed, not working, etc. everything has been current and util low since then. Also 1 small $50 medical collection which has been paid. Score per creditkarma is 605. My mom has offered to add me as an au on her chase card. She has a large limit, very low util, been open 25 yrs, always current with no lates. I'm not sure yet if they report au, but if they do, how likely and how much might this help me?
Also one more question! My husband had 3 medical collections all with the same CA, which have been paid. Is there any chance they might consolidate the three collections to just one acct, showing the balance of the three combined to the one? Sorry this is a strange question, just wondering if anyone had done anything like that before.
Thank you!!
