Joint credit. My son's score is 797, mine 613. If we become joint card holders - will that lower his score?

Answers:1   |   LastUpdateAt:2012-10-08 07:02:03  

Question
Camilo
Asked at 2012-08-31 14:35:03
I actually pay all your bills because it has Down syndrome . But I have a huge student loan debt and bad debt I refuse to pay , it is not mine. I do not want to hurt your score , but would like to improve mine. My recent history ( last 4 years is perfect ) - including a mortgage , 4 credit cards , revolving credit cards in May , a car payment , and all utilities . History student loan is perfect for the last 7 years.
Answer1priyalAnswered at 2012-10-08 07:00:16
If you open a joint credit card , the credit card will be reported on both credit reports but not really going to improve your score . MedlinePlus MedlinePlus Getting eliminated bad debt would be the best way to increase your score . Has disputed the debt with the credit bureaus as not yours ? MedlinePlus MedlinePlus Are you a registered letter with acknowledgment of receipt to the creditor and request debt denying provide evidence that the debt is yours , including contracts , firms charge slip ? MedlinePlus MedlinePlus If they do not respond to the test after 30 days , the dispute with the credit bureaus again, including a copy of the letter indicating that the creditor has not responded . That should get it removed . MedlinePlus MedlinePlus Otherwise, you will have to wait for the reference period of seven years for negative.
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