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I have some questions hope someone has answers to. So, been repairing my credit for some time now. In the past two years I was able to have 20 or so items removed from my reports. But, in me going so my score dropped points mainly because I been applying for credit cards but have not secured one. I tried several secured cards and was denied for all except capital one witch oddly was the same card I had a charge off with in the past. I have not signed a contract with them just because they want me to send them $300.00 and in return the would send me a card in like 8 weeks dont sound practical to me. So I've been reading on other options and my main option I am drawn to is a secured card from my local credit union. But once again I was flat out denied. So I asked If I can be a authorized user on my daughters card and I was told that that would not help me improve my credit at all the dont report on authorized users reports and that was a myth that it will help my score is this true because if it is I dont know what to believe any more almost every thing I read on the net says thats the way to go. Please if some one could clarify thanks