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“Attacking those two issues will help improve credit scores faster than any other actions,” says Griffin.…don’t co-sign on the dotted line Taking on a new credit card and using it responsibly is yet another way to help improve one’s credit rating.But if your partner needs you to co-sign or be added as “secondary” borrower, think twice. If your spouse falls behind on payments, the bank could come after your money.“You’ll be an enabler,” says Barbara Stanny, author of the forthcoming book “[Your spouse] could fall right back into debt.” A more effective way to help reduce your partner’s debt may be to cut costs from your family budget (primarily from your spouse’s discretionary spending) and use the savings to chip away the debt.
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While it’s a slower process towards rebuilding credit, the extra discipline and effort involved may be a helpful reminder in the future of why it’s never a good idea to overspend.
You simply call up your credit card issuer and request to put your partner’s name onto the account as an authorized user.
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