this may not work. I contacted the USDA in December and they pulled our credit. They said that my husband didn't have a credit score. They only pulled TU. He has a 732 EQX. That's when my quest to build his credit started. I'm a housing counselor so I deal with this stuff daily. Not so much USDA. I had two credit cards but they wouldn't allow me to add him. In order to protect my credit I applied for a cc that I was certain to get and added him as an au. The day the cc was reported to the credit bureaus I was able to get him his own capital one card. I kept checking Credit Karma and Equifax on the activity. The day cap one reported and credit karm was able to generate a score, I contacted a loan officer that I know and requested a pre approval. To my surprise and dismay she wasnt able to get A score from TU and Experian. She didn't try Equifax. I stayed up late researching what could possibly be the problem. I discovered that Residential Mortgage Credit Reports have blocking mechanism that omit au accounts. Oh yeah I had also applied for a Discover card and added him as well. So I had to determine who in our area looked at Equifax when pulling credit. Discover does, so I was able to get him his own Discover card, it came today. My story is long and complex but just be leary of au accounts it may not work.
