My girlfriend and I opened up a credit card account together recently to try to build up our credit scores. Initially the card was issued to me with her as an "account user" (meaning she has a  card in her name but no actual access to the account). We were not aware of this since we thought we made it clear that we wanted a joint account. When she told me she couldn't see the card information in her online banking account we went to the local branch and asked what was up. Turns out she was not a co-borrower on the account, earning no credit,  so the clerk called the credit bureau and told them to add her as a co-borrow.

She was declined.

The reason given in the letter was a history of late payments. The whole reason we opened this card together was to simplify bill paying and to raise her credit score (mine is excellent). Now we have this card that isn't doing us much good. Aside from opening a new card just for her and paying it on time (she doesn't recall having issues with late payments any time recently) what can we do to raise her score so that we could eventually be co-borrowers? Any idea on what time of timeframe it takes to raise a score significantly?

Thanks reddit.
user
My girlfriend was declined as a co-borrower on our
assistant
My girlfriend and I opened up a credit card account together recently to try to build up our credit scores. Initially the card was issued to me with her as an "account user" (meaning she has a  card in her name but no actual access to the account). We were not aware of this since we thought we made it clear that we wanted a joint account. When she told me she couldn't see the card information in her online banking account we went to the local branch and asked what was up. Turns out she was not a co-borrower on the account, earning no credit,  so the clerk called the credit bureau and told them to add her as a co-borrow.

She was declined.

The reason given in the letter was a history of late payments. The whole reason we opened this card together was to simplify bill paying and to raise her credit score (mine is excellent). Now we have this card that isn't doing us much good. Aside from opening a new card just for her and paying it on time (she doesn't recall having issues with late payments any time recently) what can we do to raise her score so that we could eventually be co-borrowers? Any idea on what time of timeframe it takes to raise a score significantly?

Thanks reddit.
user
Girlfriend was declined as a co-borrower on a joint
assistant