<prompt> Human: I have a bad credit score of 510 and I owe 500 to a wells fargo checkings account from a year ago and that account is now closed. My gf has a credit score of 610 and she banks with navy fed. Is it possible for me to make a joint account with her and not have any money taken from her because I owe previously to Wells Fargo checkings account and will her credit score be affected as well? Ultimately uber is asking me to provide a bank so I can start working with them and every bank tells me I need to pay 500 first in order to open up a new one so I am trying to go this route to avoid paying  <response>: Might be easier to just ask her to let you borrow the 500, pay that off, then get on with your life. This is far safer than getting into a joint account situation with someone who is just a girlfriend. Just FYI with a joint account, both parties have full control over the account with no need to notify the other. Meaning either of you could go to an ATM, take every penny, and its all perfectly okay. Bank will laugh at youher when you come in and say HeShe took all my money! 