Adding to family member’s credit card account increases your score over 20 points
Ask to be added to a family member’s credit card account and ensure that the credit card company has your social security number for reference. However, you should make sure that the account that you are added onto has a low balance and a positive payment history for up to ten years. If that be the case, you will be associated with the family member’s payment history and the low debt ratio, which can boost your score considerably.
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