Being an "authorized" user won't help at all, he has to add you as a "joint" user. If he puts you on it as a "joint" user, it will report on your credit as well. Just make sure he pays his bills.

Its on my credit report his card. And if he doesn't pay I am responsible for it. So is there a difference? For me to get on it I had to give them my ss number.

My other recommendation is to get a credit monitoring service like with www.truecredit.com which is done by TransUnion.
You can get a 3-in-1 report every single month for $14.95 per month. With a credit monitoring service like this that you pay for monthly through direct debit from your bank account, it does not put a "hit" on your credit at all like someone else pulling your credit.
You can keep track of your credit scores and anything that comes on your credit.
You wouldn't believe the things that go on there. Twice, I've had to have things removed that weren't mine.
Once, there was a $15,000 car loan on there, and I have never had a car loan!!
Another time, they had some insurance thing on there from a company that I've never had.
Once I got those two things removed, my credit score shot up!!

Josh called and they changed me to joint user, well we are waiting for papers to sign for me to do that. So he said that will help my credit! Thanks for telling me that.

your welcome ;)

:). Hopfeully this will help.

I agree, it's always good to check your report at LEAST once a year. Identity theft can really mess up your credit.
Also...
Everyone gets one free credit report disclosure every year thanks to the Fair Credit Reporting Act. https://www.annualcreditreport.com/cra/index.jsp
It costs extra to ask for your score though.

i ran my experian the other day, everything was fine.

So the accountant at my work reccommended running them every 4 months between the 3 credit bureaus

It's better if you pull your credit yourself through one of those monthly credit monitoring services so that you don't get a hit on your credit. You can update it every 24 hours and see if anything new has come on and if your credit score has changed. Don't let a creditor pull your credit because it will show up as an inquiry unless you're trying to get a credit card of course or something like that.

You have received lots of good advise. Cherry1000 mentioned a used car to just get you from point A to point B and pay that one off on time and early if you can and it will put you as a fairly good credit risk but only if you have a good job and have been there for a year or more. Your government job if full time could possibly do this for you in a year. Put yourself in the place of the person lending money, they want to make sure you are in a good stable job.

Good Luck but take little steps first.

forget this

2 posts and you come on with this. Don't go near this.

I dont; want anyone to "fix" my credit, nothings wrong with it. I am young and don't have any thats my problem.

Thats why I am hoping to find out if I get this job this coming up week, bc I don't want to start searching for a car until next October, so that will put me around a year at my job that has an annual salary.

Plus I need time to save up atleast half for a down payment :thumbup:

Is that the mazda cx-7? I know we talked about it before awhile back. Here is my 2 cents IF that is the car you want! They are about $34K (book price) FULLY LOADED, you can forgo SOME of the luxuries and get it brand new for about $26K. Now, they came out in 2007, so never buy a first year car, even used. So in 2008 that is the second year, and in 2009, you should be able to buy a used or leftover 2008 for about $20 - $22K.

I plan to put about $15K down on that exact vehicle myself, but not until 2009 and I will buy a 2008 either leftover (brand new but didn't sell in 2008 so they drop the price drastically) or a used one with low mileage!

good luck girl! :)

No. Its a Suburu B9 Tribeca. Book price for those are 34,000 some where around there. But they are having 2000 rebate on them now, which doesn't really matter since I won't be getting it until next year. I do now that carmax sells them for 24000-26000. So I plan on getting a used, IF they have one that I want in stock. Suburu isn't a popular brand, so carmx doesn't have any right now that are 5 passangers in stock. They came out in 2006 if I am correct.

Heres a link to it:

http://www.theautochannel.com/news/2...30476.2-lg.jpg

http://www.subaru.se/images/bildbank...ibeca_fram.jpg

That would be great. Don't forget college you can always go to a junior college in your home town and you will never regret it. They can steal your money, the car can wear out, you can etc etc but no one can ever take your education away. Just a random thought:)

I am thinking about college I have a lot of credits. But since I have been going to school for almost 2 yrs straight with no breaks, I think I am taking my break now!

NONO NONONNONNONONONOOOOO!!!!!!!!!!! :)

Don't do it!! You will end up LOVING the $$ of a full time job and the years will slide by and then you'll be too financially dependant on your money that you won't be able to afford college and you won't end up doing it OR it will take you 10+ years to get it done!! Trust me on that!

Girl, you have many many years ahead of you to buy a fancy, expensive car, trust me! Finish COLLEGE now! Don't break! Its the ABSOLUTE BEST ADVICE I can give you! I am 31 and STILL 'trying' to get my degree! Don't make yourself have more financial responsibilities than you need to take on! You are young! Plenty of time to buy anything you want, when you get your degree and make twice as much and then you can just pay for it cash! :) :)

Please think about it!

I know thats what everyone says...

Its just hard after being in school, taking a break is REALLY nice!!!!

Not sure why it didnt post... but I had posted yesterday that I know someone who fixes credit... and I mean REALLY fixes credit. He can get you an 800 beacon score. It's all totally legit and TOTTALY LEGAL! If you're interested... let me know!

I agree! Some ppl never go back to college after taking a break.

Well Id have to say then, LISTEN to them! 4 years for college is not that long! I wish I could help you see it! I have said this before, to others. I am on the brink of the 'instant gratification generation'! That IS our generation that thinks that when they want something they need to get it now or close to now. We don't really think enough of the future consequences of our actions! When I was 23 I wanted a new car, so I traded in my 'old' car (it was not paid off and only 3 years old) for the SAME car only 3 years newer! Still a cheap car (I think I paid 12,000 for it) and at first it was awesome! After about a year, I was sooo mad at myself. Here I had 4 more years of payments, when the car I had would have been paid off by then! It was just a crappy financial move on my part. At my age I have the instant gratification syndrome, but now I also am 'mature' enough to foresee the consequences of my actions and KNOW the mistakes I made. Now I can only try to help & advice younger people (like you) not to do it!!!

You seem smart girl, young, but smart! Get your degree, drive you crappy car until it falls apart, get a job making killer money after you get your degree, THEN see what your priorities are! I am driving the same car I bought new at 23 bc having a really nice $200,000 townhouse was more important than having a new car! It was no contest! :) Plus, instead of making car payments while you have a car, use the money to pay the student loans, because, as I sit here at 31 having had 3 years of college back when I was 18-21 I still have $8,000 in student loans!!! UUUGGGHHH try to use the money to pay that off, you'll be really happy when you do! Then when you are ready, buy a $30,000 car if that is what you want! You'll be happy you did so! ;) :D

This job that I want, a degree really doesn't give you any more money. The way that you get paid more is if you have been certified within the governement.. its complicated. Also the more years you work the more money you make bc your experience has built up.

you think you are going to want or stay in the same job for your WHOLE life??? This is what I mean by FUTURE CONSEQUENCES! You have NO idea what job you'll be in in 5 years! You have no idea if you'll like this job you want now in 5 years, or if they will keep you or anything like that! Ive switched 'jobs' probably 5x from age 21 to age 31! Each time for more money! And each switch I would have made even MORE money if I had a degree! hence why Im going back again in Jan to try again to get it!

REALLY think about this girl!!! I mean think about the future too, at 17 you think 30 is AGGEESSS away, but honestly the time FLIES!! I cannot believe Im not in my 20s anymore! I mean just yesterday I was 22! :) :)

I don't know.. its hard to decide what you want to do..

Superstarkba, celstu1 has given you wonderful advise. Maybe your grandmother could get along without college but today it's a different world. Married couples even with college are just making ends meet with good jobs so without it, it will make your life so much harder. My daughter in law works for the government and she would have never gone up the ladder without college behind her, she would not have even been giving an interview to the type of job she wanted.

Just think about it. Going back to school when you are married and possibly have a child is the hard way and it takes you three times as long. Hugs, Joan

If it sounds too good to be true...it probably is! This poster has TWO, count 'em posts! Steer clear, just to be safe!

fix your credit?? Stay away, his/her last post was deleted.