Trying to get husbands credit score up to qualify for USDA Loan.

[Melissalyn17]

I have been reading through as much information as I possibly can to try to get my husbands score up. I came people adding their spouses and AU's. My credit score is higher than his, and I have two cards that I have had for almost two years (two years in August) and have no late payments, but they have low credit limits ($650, $320). Part of my husbands issue on his credit is late payments. I just paid both of my cards down to $10 on each (which should update on my credit report by the end of this month). SO my questions are, should I add my husband? If so should I wait until my credit report updates to show the low balances on the card? Would it help him at all? Could it hurt my score?

[FrugalRican]

One of your cards should be at 0, the other at 10.

It won't hurt your score, and it might help his, but the lenders will notice the piggyback.

[Melissalyn17]

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@FrugalRican wrote:

One of your cards should be at 0, the other at 10.

It won't hurt your score, and it might help his, but the lenders will notice the piggyback.

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Will it hurt us having it like that when the lender or underwriter sees it? I don't want to do anything that will hurt our chances of getting the loan.