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The Ramsey Show question of the day, here we go, brought you from Lucia in New Jersey.

My sister's going through a divorce and has to refinance her home to remove her ex-husband from the mortgage.

She asked if I would add her as an authorized user on my credit card, but not to give her a

card so she won't be able to use it.

She says it would just help her credit score so that she can get a better rate when she

refinances.

I've never done this, so I'm not sure if it will affect my credit score, which is in the 800s.

Do you see any red flags with this plan?

Too many to count.

All I see is all red flags.

No, I would not add her. This is not going to be a blessing to either of you.

I hate that she's going through this. It's going to be tough, but here's the good news.

As her credit score improves, as she's going through this. It's going to be tough, but here's the good news. As her credit score improves as she makes mortgage payments and stays out of debt and stays on time with all of her payments,

her credit score will naturally improve and she can refinance to a better rate down the road,

but I would not add her as an authorized user. Her credit history will become part of your credit history and affect

both of you. And if you make any poor decisions, God forbid, then that will also affect her negatively.

And so I would say, listen, I love you a lot. I cannot bring you into my financial world and

tether you to it. There's risk for both of us. And I'm not comfortable doing that. And let me just put this out

there. I know this is one of those things where you say something like this and those who don't

need to hear it, take it to heart, and those who do need to hear it won't hear you anyway. If you

need help financially from a friend, say I need some money. Like that's the, that's the cleanest, clearest way to say I need some help.

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