Does being an AU on multiple well standing accounts help?

[Anonymous]

I had a FICO around 680. I was added as an AU to my wife's oldest CC and that upped it to about 700 (according to barclays FICO checker). My goal is to get to 720+ to apply for a mortgage in a couple of months. Should I get myself added as AU or Joint to some of my wife's other less old but well standing credit cards as well? Should I try to get added as a AU to one of my Dad's well standing CC as well (I haven't lived at his mailing address for 4 years now)?

[Anonymous]

I would ask this question on the mortgage board because they can tell you how AU cards appear to a mortgage lender.

[Anonymous]

Thanks I will try that. As far as FICO score, would being an AU on a couple of my spouse's good standing accounts most likely help that number go up some more?

[Anonymous]

My personal experience is it helped for a mortgage loan we were applying for. They were able to give the pre-approval after the AU were added. This was for an FHA loan. Obviously there are so many different scenarios, but that was just ours. 

[Anonymous]

Make sure any account you're being added to as an AU don't have a balance on them.  It will be counted in your debt to income ratio for mortgage.