DW and I are doing our annual review of our financial situation and a part of it is getting the annual free credit report. It turns out that we are having some trouble getting DW's credit report from Transunion from annualcreditreport.com (got "Unable To Complete Request" error and a suggestion to do it by phone/mail). This was the case also when we tried to do it last year and we requested the report by mail (but didn't think anything further then).
Hoping for some more insight, DW tried to sign up CreditKarma since I've been using it for a while following some suggestions in this forum. CreditKarma also cannot display her report nor score saying that she has "Thin File"
. This makes me goes .. hmmm.
The fact is DW just moved to the country for a few years, and she hasn't really had any reason to get her own credit. She's an "authorized user" on all my credit cards, and joint-account holder for all of our bank accounts (we have several in Ally & local credit union). But I guess that's not enough to establish credit history for her. I on the other hand have pretty good score (above 780 on CreditKarma score). So I think it'd be good for her to establish credit history / score for future needs (e.g. mortgage, etc)
So my question is: what would be the best way to boost DW credit history / score ?
I am thinking:
1. Add her as joint-account holder in our current CC
2. Get another CC with DW as the 'primary' owner and myself as co-signer
3. There's a possibility that we'd need another car sometime this year for DW actually, and if so, she can be the primary applicant for the loan with me co-signing (so that we get the best rate).
Any other suggestions ? (1) and (2) we can do in short time frame while (3) may not happen for a while.
Thank you very much and I appreciate the responses.