Borrowed Credit

If you’d like to boost your credit score – borrow someone else’s...

If your credit score could use a boost – try borrowing someone else’s. You’ll need permission first of course. If your spouse or another family member has got a really good score – ask them to add you as an authorized user on their credit card account. Their good payment history and spending habits will appear on your credit report – making you look more credit-worthy.

It’s best if they have a card they’ve used for years – with a high limit. It’s also important that they pay their bill on time and that you stay ultra-responsible with their account.