<prompt> Human: My credit is a good bit better than my wifes, should I put some effort into building her credit up? What are some ways to help? Do I put her on as an authorized user on my cards? Should she open her own cards and put me as an authorized user? If I only put her as an authorized user on mine and we end up divorced or with me dead and with her removed from the cards, does that wreck her credit again? Edit: Im not worried that Id wreck her credit with a divorce or death, but that shed be left with no credit history if she is only an AU.Assistant: Whats causing her poor credit? Chances are there are ways for her to fix it without you having to get too involved.Human: Its not so much that she has bad credit, but that she doesnt have any or much credit.  <response>: Best bet is that she applies for some cards in her name. Being an authorized user still means shes not responsible for paying them off, and thus isnt factored heavily into her credit score. Get her her own card. It may be hard to find someone to start with. I would try your local bank possibly, or even some store cards if theyve got a good promotion. Worst comes to worse you create a secured credit card. Then just make sure you leave a balance on there until the statement comes out every month. And then PAY THE STATEMENT EVERY MONTH. 