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Valued Member
Posts: 33
Registered: ‎10-22-2008

Debt to Income

I am an authorized user on my husbands Kays card. Will the bank count that payment in on my debt to income ratio when applying for a mortgage loan, since I am not financially responsible?
Established Contributor
Posts: 982
Registered: ‎05-27-2009

Re: Debt to Income

No they shouldnt. Usually an AUs trade line will show the current balance/limit/age etc... but will have a payment value at $0.00. The underwriter should be willing to exclude even if there is a payment amount, but if they are not you can always quickly request the line to be removed and have your credit repulled... although losing the account may hurt your score due to AAoA.

Starting Score: 627 EQ, 621 TU - 11/15/08
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Valued Contributor
Posts: 1,381
Registered: ‎07-29-2008

Re: Debt to Income

How is it reporting on your credit?

If it is on there with a payment you will need to show you are not paying it for it not to count

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Brian B The Loan Professor
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