Credit Score?

If my wife has a credit card, but my name is NOT on the account, will it affect my credit score?

Public Comments

1. This depends. If you requested to have a seperate credit file from your wife versus a joint filing, then it will not impact your credit score. It will, however, affect you if you attempt to get a line of credit (mortgage, car loan, credit card, etc) and your wife co-signs.
2. no boy no .if you use it no .if its your's if she does something to it yes if she spends 2 much
3. Not unless you are an authorized user
4. No...
5. no as its not in your name, if she does not keep up the payments you may have your address blacklisted though.
6. no i would not affect unless the ran your credit to apply for the credit card other wise no
7. no, it wont..Read this Credit Score Myths Explained http://www.debt-loan-refinance-mortgage-credit.com/category/Credit-Score-Myths-Explained.html