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Piggybacking Credit History

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Anonymous
Not applicable

Re: Piggybacking Credit History

Yes she did get hit with a hard inquiry. I pulled her Experian CR. It does say though on her CR that she is joint and not authorized user. The CC by the way is a KAY store card.
Message 11 of 12
Jazzzy
Valued Contributor

Re: Piggybacking Credit History

This means that she is a joint user. Just make sure she knows that that means she is financially responsible for both what you charge on the card and what she charges on the card. Joint means that you are both responsible for all charges.

 

Being a joint user should help her credit, but joint usage can mean problems if things don't go well. If the relationship ends, these are the kinds of cards that need to be closed right away before they become problematic.

Message 12 of 12
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