It is in my name - I never checked, but I only assumed it would help the credit score. I do have my student loans. I have a debit/credit card (not sure if that helps - usually pay debit) and I do have a credit card that I very rarely use - kind of an emergency thing and then a couple store specific cards used once and made a few payments specifically to bolster the credit score. So if I start using the visa credit card more on a month to month situation (for like gas and groceries only) I can just use that to kick the score up?