I have a discover card with 11 years of perfect payment history. It has CL of $16k and under 0.2% utilization. My wife and I are thinking of applying for a mortgage in a few weeks and I'm wondering if it's a bad idea to add her to increase her score. Should I avoid this?
Maybe have a lender check first to see what he possible differences should be. Obviously, if it brings the numbers down a bit, then you don't want to do it.
