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Dear CJF, The primary loan holder and cosigner share equal responsibility for the debt, and the loan will appear on both your credit report and hers. As a result, it will help him build a credit history.However, it takes time for that credit history to develop sufficiently to calculate credit scores..
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Dear ALM, Building a positive credit history takes time. There is no quick fix and no way to build credit overnight. The length of time it will take to build your credit depends on a number of factors .
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In many ways, a credit report is a lot like a living thing It grows and strengthens over time, and when something bad happens, it will eventually heal. The duration of that healing process depends on the severity of the damage. We'll get into the nitty gritty in a minute, but as a starting point .
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