When your wife adds you to her account as an authorized user, it will not
show up on your credit bureau. What she needs to do, and this will most
probably increase her interest rate so do it on only 1 account, is call the
company up and tell them she wants to add you on the account as a co
applicant. They will either tell you to fill out a new application or take
your demographics, and the account will, upon approval, start reporting to
your credit bureau. This alone will not fix your credit score, although it
will help. You should just keep reminding yourself of all the bullshit you
went through when you were in debt and pay cash for everything or get a
$1000 secured credit card and use only that when needed.


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