Hi guys… hopefully someone can give me some insight on this in an effort to improve credit as quickly as possible. S.O. has marginal credit history. We have been working on it for 6 months, paid off cards completely, closed store/bs cards out, and brought it up from ~580 to ~680/690 range. She now has 2 cards, ~$4k total cl. We now pay one $50 bill a month one of the cards just to show active and regular payments. I want to get her up to par and start qualifying for legit cards and into card/bonus hacking like me. So looking for advice on how to improve hers quickly as reasonably possible. Main derogatory marks are some missed payments over the past few years and high cl usage ratio prior to 6 months ago.
My credit is solidly in goat territory - 840+, I have just added her as an authorized user on one of my accounts that has high CL and open 8+ years (has not reported yet so I do not know what the score effect will be yet). Questions are:
Will adding her as an authorized user on multiple cards help with score? IE if I add her on my five longest running open and highest limit accounts will that look significantly better than her on just one account as an AU?
On the 2 cards in her name… will making regular payments on multiple cards help more than payments on one card? (And we are talking paying off every month)
TIA for the help