<prompt> Human: Just as the titled states. She is 19 and pretty oblivious about finances. I have tried to explain to her why this is a bad idea but she either confused or wont listen. Reddit, can you please help me explain to her why this is a terrible decision to go through with? Assistant: Extremely. Its not even going to help anybody buy a house anyway unless they want her to put her name on that too. You dont just get to jump from having a 900 credit limit for 6 months to them handing you over a 200,000 mortgage.Terrible idea.Human: Just curious, how long does it take to establish credit good enough to get a loan of 6 figures for a house?  <response>: It doesnt matter. The answer is no. It doesnt work that way 