01-11-2010 02:48 PM
I simply called them back and gave them her SS#. They took it.
And did that work for you? Is your account now on her credit report? Maybe in a couple months I should call Discover and ask them if they want the SSN of the AU on my account. When I added an Exxon/Mobil AU they asked for the SSN, but nothing on her report yet. I wonder how long it takes for them to report the AU. I think I read it can take many months bc it is not a top priority for them. Guess I'll have to wait and see.
01-12-2010 12:18 AM
If she has any accounts now, just have her assume your current address, and then your address will start reporting.
You will both need a 620, because the score condition is based on the lower of the two of you.
i thought about this last night, and if you can qualify on the loan with your income don't bother worrying, just buy it in your name, and add her to the deed of trust instead. Then she will be free of the account on her credit, and will still be a co-owner with you!
01-12-2010 12:24 AM
If she doesn't have any currect accounts, just have her pull all three CRA's and put your address first, and her old address second...
If she does have her call and update them with her new address, and as soon as they update the account w/the CRA's the address will start reporting across all three CRA's!
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO