Autorised user, Student Loans positve effects?

[Anonymous]

As I said earlyer, we are trying to buy a house and before that to pusj my wife's score up.

I would like to add her as a AU on 2 of my CC.

THey are 4 and 3 years old, older one was 1 time 30 days late more than 3 years ago.

Also, would it help if she consolidate her's student loan?

Is it worth to do this and much will that help her score?

Thank you all!

[Tuscani]

Try a GW on the lates before you add her.

[Anonymous]

I know I should know this, but how or where can I find an exemple of the GW letter, how to di it and how offten does it work?

Thank you one more time for your anwsers!

[Tuscani]

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2661

[Anonymous]

THank you a lot!!

Does GW letter works with paid collections?

Can she gain some points by consolidating her student loans?

[Tuscani]

Yes, GWs work with paid collections. Consolidating students loan won't do much for your score.

[Anonymous]

Great, thank you!