Credit help please.

[Nicholas Rickman]

I have zero credit. Not bad just nonexistent. My wife has great credit. If she adds me as an authorized user on her credit card, could it negatively effect her credit score?

[Warren Swede]

If you fail to make payments yes.  

If you are trying to build credit I would suggest getting a cell phone in your name and making the monthly payments on it.  Or going to your bank and speaking with someone who can help you.  My first credit card had only a 500$ limit on it, but it helped me build credit to what it is now, about 790.  I use the app Credit Karma and it helps me to keep track of my credit score and offers.  That and the Mint app help me a lot.