My wife's score is 49 points below mine. We are car shopping and want to pick her score up closer to mine. I have a credit card with a balance that we can pay off. She is not an authorized user for this account.
So, what is best, to pay off the cc I mentioned above and then put her on as an authorized user or pay the payoff amount on to another card that already shows on her credit report?
Out of the two choices what is the time frame for either one to show up on her report? I would imagine up to a month for the cc that already shows on her report?
Thank you for your input.
