I have a pretty thin credit file myself but I am an authorized user on two of my mothers cards. One started when I was 17 for convenience sake. The other is more recent because its the one I use for school expenses. I use both regularly and pay off my person purchases. But this makes my oldest account 5 years older than I am.
I am also authorized and my boyfriends discover. Once again, its covenience. We are buying a house together in early 2014.
How will this look to underwriters? I know they don't like authorized accounts but in these cases they are all legitimate and I just happen to piggy back on my moms amazing (800+) credit. I use then and pay them so I'd like to have credit for these accounts. Do I have to worry they won't include this?
I am also authorized and my boyfriends discover. Once again, its covenience. We are buying a house together in early 2014.
How will this look to underwriters? I know they don't like authorized accounts but in these cases they are all legitimate and I just happen to piggy back on my moms amazing (800+) credit. I use then and pay them so I'd like to have credit for these accounts. Do I have to worry they won't include this?
Starting Score: 655