Mega Contributor
RobertEG
Posts: 17,503
Registered: ‎03-19-2007
Re: Ok, so, advise please, ;)

An unsettled issue in the mortgage app process may be the value of your score itself due to being based in part on the inclusion of the credit history of another in your score calculation.  Mortgage apps usually rely upon more than just your score, and involve a manual review of your CR.

 

While FICO includes AU accounts in their scoring, a prospective lendor in a manual review may elect to discount that score if it is not based only upon your own credit history.  Having no way to "back out" the scoring effect of the AU, they could question its usefulness.