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Helping friend get credit - need advice on who to apply

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So I've been able to remove most of the negative CL's from her reports. AAMOF everything was removed on her TU however one medical returned. In 35 days she went from a 520 to a 724 to a 650's because of the one acct that returned. I've added her as an AA to a Disc CC which posted onto TU but not EQ. I've heard people say that a hard pull has to be done before the line will actually post to EQ. Any ideas on that?

 

Also she's wanting to get a credit line of her own. I've looked thru the database and see that Cap1 Venture may approve her with that score along with a host of store credit cards. On her TU there is 1 neg reporting and 1 inq and my CC posting as AA giving her the 650. Just looking for suggestions as to what she should apply for.

 

Her end game is to purchase a vehicle using her own credit. Right now she's renting a very old 90's vehicle from a family member for $350 a month.

 

Thanks!

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It's common for Equifax to not report non-spousal AUs. It has nothing to do with pulling her credit.

 

She can probably get a Capital One Card at this point. Try the prequalifier.

 

https://findmycard.capitalone.com/en/PageVersions/LandingPages/LP_ONE_V01.aspx

 

Also, since car loans are secured by the car itself they aren't terribly hard to get, although she may not get the best terms right away. Does she have a 20-30% down payment saved up?

 

Why isn't your friend doing the credit clean-up work herself?

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"Why isn't your friend doing the credit clean-up work herself?"

 

..because I always get suckered into helping people. My DH asks the exact same question.

 

Will try the prequalifier. Thanks alot.

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"Why isn't your friend doing the credit clean-up work herself?"

 

..because I always get suckered into helping people. My DH asks the exact same question.

 

Will try the prequalifier. Thanks alot.

 

Helping would be sending her an email that says, "CreditBoards is a great resource, and it's 100% free. Here is the URL. Good luck!"

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So I've been able to remove most of the negative CL's from her reports. AAMOF everything was removed on her TU however one medical returned. In 35 days she went from a 520 to a 724 to a 650's because of the one acct that returned. I've added her as an AA to a Disc CC which posted onto TU but not EQ. I've heard people say that a hard pull has to be done before the line will actually post to EQ. Any ideas on that?

 

Also she's wanting to get a credit line of her own. I've looked thru the database and see that Cap1 Venture may approve her with that score along with a host of store credit cards. On her TU there is 1 neg reporting and 1 inq and my CC posting as AA giving her the 650. Just looking for suggestions as to what she should apply for.

 

Her end game is to purchase a vehicle using her own credit. Right now she's renting a very old 90's vehicle from a family member for $350 a month.

 

Thanks!

 

Adding her as an AU to the 2007 Skypass Visa would give her the largest profile boost.

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So I've been able to remove most of the negative CL's from her reports. AAMOF everything was removed on her TU however one medical returned. In 35 days she went from a 520 to a 724 to a 650's because of the one acct that returned. I've added her as an AA to a Disc CC which posted onto TU but not EQ. I've heard people say that a hard pull has to be done before the line will actually post to EQ. Any ideas on that?

 

Also she's wanting to get a credit line of her own. I've looked thru the database and see that Cap1 Venture may approve her with that score along with a host of store credit cards. On her TU there is 1 neg reporting and 1 inq and my CC posting as AA giving her the 650. Just looking for suggestions as to what she should apply for.

 

Her end game is to purchase a vehicle using her own credit. Right now she's renting a very old 90's vehicle from a family member for $350 a month.

 

Thanks!

EQ should report as long as addresses match. I have a lot of non-spousal AUs and they report for all of them on EQ, but only when the addresses match.

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