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If by "piggybacked" you mean that you can use the card, doesn't mean that these accounts will show up on your credit report. If you mean that you sign on the application with your mother on both Penneys and Sears, then they should show up the first time both stores update their information to credit bureaus.

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Q: If you filed bankruptcy a year ago and cleaned up your credit report how long will it take for trade lines to appear on your credit file if you use your mother's merchant accounts?
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