The person in question is my sister. She is a single mother of one, once married to a complete total idiot (he cheated on her, not just once, oh, and he was a terrible father). The two of them filed for bankruptcy several years back before their divorce. She does not deserve the predicament she now finds herself in, and I am seeking out new ways to help her, without making myself liable. A big problem she has is not being able to rent an apartment/house on her own. She does have a car loan out in her name, and has been making payments on that for over a year now. I want to help her get started with savings and IRA accounts as well, but the main thing is establishing a good credit history. What if her name is on the account, but she doesn't have access to a card (or the account #)?
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