bank accounts, joint or single
 

I am living in california with my wife on L1/L2 visas (wife has L1). My wife opened a bank account and got a secured credit card about 6 months ago.

I have got an EAD and am looking for job. I was intending on opening a bank account when I secure a job. Is is better (in terms of credit score) to open up my own account or add my name to my wife's so it becomes a joint account?

Thanks in advance

rk164

Re: bank accounts, joint or single
 

To my knowledge having a joint bank account will make no difference to your credit score.

However if you can get added as an authorised user on the credit card that may help.

Re: bank accounts, joint or single
 

won't make any difference having your own account or not...

if your wife has had the card for 6 months, she'll have a start to a score, sign up to her card to piggy back off of it...and read the wiki on financial info as it's a good resource.

Re: bank accounts, joint or single
 

bumping up ur credit score - get added onto the credit card of someone in ur family, or best friend lol who has a good track record and u automatically receive the credit card history on ur credit report. Do not even need to use the credit card, rip it up when u receive it. for newbies a great head start on the credit score chart.