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Tinder may have rock solid reputation for being the hookup app, but there's a new player in town.Casual X is an app that's catering exclusively to people who want encounters with no strings attached.The strength of your credit score is based 35% on your bill payment history and 30% on your level of outstanding debt—particularly credit card debt.Remind your partner to pay his or her bills on time each month (you might suggest setting up account alerts so that you don’t have to be the nag).And explain to your loved one that it’s important to keep outstanding balances on his or her cards under 20% of the limit on those cards, since the formulas reward a low utilization ratio.
If your partner gets too swipe-happy you may want to cancel access so you don’t see your score come down or your balance go up beyond what you can afford to pay.Another strategy, if you earn enough money: Consider taking on some monthly costs that you previously shared—like rent or the car payment—by yourself to allow your spouse to use more of his or her salary towards personal debt. Another possibly efficient way to improve your partner’s credit rating is by adding him or her to one of your major credit cards as an authorized user.“Most scoring models incorporate authorized user accounts in the [credit score] calculation, so they can contribute positively,” says Griffin.“It’s a horrible idea,” says John Ulzheimer, credit expert at Credit “When you co-sign you are essentially…guaranteeing payment on behalf of someone whom the lender feels isn’t credit worthy on their own.” Co-signed debt can also come to haunt you, should you ever get divorced.
You simply call up your credit card issuer and request to put your partner’s name onto the account as an authorized user.