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	<title>Comments on: Credit&#8230;.?</title>
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	<link>http://www.debtconsolidationcap.com/credit-2.html</link>
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		<title>By: OC1999</title>
		<link>http://www.debtconsolidationcap.com/credit-2.html/comment-page-1#comment-1991</link>
		<dc:creator>OC1999</dc:creator>
		<pubDate>Wed, 16 Sep 2009 05:38:06 +0000</pubDate>
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		<description>Yes and No.

The current system allows that if you are an authorized user it will be included in your credit score.  However, that person with the original card had to have a perfect and long history for it to do the most good.

But this loophole is being closed.  As of September, Fair Issac who does the FICO Score will use new calculations that will not include authorized users.  Even if you were to be added today, it takes about 30 days to be reported to the credit reporting agencies.  So by the time they do report it, FICO scores will be using the new calculations and it won&#039;t do you any good.</description>
		<content:encoded><![CDATA[<p>Yes and No.</p>
<p>The current system allows that if you are an authorized user it will be included in your credit score.  However, that person with the original card had to have a perfect and long history for it to do the most good.</p>
<p>But this loophole is being closed.  As of September, Fair Issac who does the FICO Score will use new calculations that will not include authorized users.  Even if you were to be added today, it takes about 30 days to be reported to the credit reporting agencies.  So by the time they do report it, FICO scores will be using the new calculations and it won&#8217;t do you any good.</p>
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		<title>By: Cristi H</title>
		<link>http://www.debtconsolidationcap.com/credit-2.html/comment-page-1#comment-1992</link>
		<dc:creator>Cristi H</dc:creator>
		<pubDate>Wed, 16 Sep 2009 05:38:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.debtconsolidationcap.com/credit-2.html#comment-1992</guid>
		<description>That won&#039;t help you in the slightest way.</description>
		<content:encoded><![CDATA[<p>That won&#8217;t help you in the slightest way.</p>
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		<title>By: ThatGuy!</title>
		<link>http://www.debtconsolidationcap.com/credit-2.html/comment-page-1#comment-1993</link>
		<dc:creator>ThatGuy!</dc:creator>
		<pubDate>Wed, 16 Sep 2009 05:38:06 +0000</pubDate>
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		<description>Being added to someones account as a user does not help, as you are not obligated to pay the loans.

I suggest getting a credit card yourself.  Using it only for things  you need, and pay it in full monthly.
You may have to get a secured credit card.

Another option is to have someone co-sign a loan for you.

http://www.thecreditcardtorebuildcredit.com/categories/bad_credit_credit_cards</description>
		<content:encoded><![CDATA[<p>Being added to someones account as a user does not help, as you are not obligated to pay the loans.</p>
<p>I suggest getting a credit card yourself.  Using it only for things  you need, and pay it in full monthly.<br />
You may have to get a secured credit card.</p>
<p>Another option is to have someone co-sign a loan for you.</p>
<p><a href="http://www.thecreditcardtorebuildcredit.com/categories/bad_credit_credit_cards" rel="nofollow">http://www.thecreditcardtorebuildcredit.com/categories/bad_credit_credit_cards</a></p>
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		<title>By: spifiman1</title>
		<link>http://www.debtconsolidationcap.com/credit-2.html/comment-page-1#comment-1994</link>
		<dc:creator>spifiman1</dc:creator>
		<pubDate>Wed, 16 Sep 2009 05:38:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.debtconsolidationcap.com/credit-2.html#comment-1994</guid>
		<description>The only way this would do you any good would be if you were added as either a joint signer or a co-signer.

Even then the person adding you would have to have good credit with along payment history on the credit card to do you any good.</description>
		<content:encoded><![CDATA[<p>The only way this would do you any good would be if you were added as either a joint signer or a co-signer.</p>
<p>Even then the person adding you would have to have good credit with along payment history on the credit card to do you any good.</p>
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		<title>By: Rony</title>
		<link>http://www.debtconsolidationcap.com/credit-2.html/comment-page-1#comment-1995</link>
		<dc:creator>Rony</dc:creator>
		<pubDate>Wed, 16 Sep 2009 05:38:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.debtconsolidationcap.com/credit-2.html#comment-1995</guid>
		<description>I found interesting information about your answer Here: 
debt consolidation loans:
http://all-debt-consolidation-loan.blogspot.com/2007/07/debt-consolidation.html
credit cards:
http://all-debt-consolidation-loan.blogspot.com/2007/07/chase-credit-cards.html
Good Luck!</description>
		<content:encoded><![CDATA[<p>I found interesting information about your answer Here:<br />
debt consolidation loans:<br />
<a href="http://all-debt-consolidation-loan.blogspot.com/2007/07/debt-consolidation.html" rel="nofollow">http://all-debt-consolidation-loan.blogspot.com/2007/07/debt-consolidation.html</a><br />
credit cards:<br />
<a href="http://all-debt-consolidation-loan.blogspot.com/2007/07/chase-credit-cards.html" rel="nofollow">http://all-debt-consolidation-loan.blogspot.com/2007/07/chase-credit-cards.html</a><br />
Good Luck!</p>
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