https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Increasing-spouses-score/m-p/17444#M4698 <DIV>Welcome... Adding her&nbsp;as an AU is only a temp fix. You should focus on cleaning up her credit. Can we get more info on what is on her reports?</DIV> Wed, 13 Jun 2007 11:02:22 GMT Tuscani 2007-06-13T11:02:22Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Increasing-spouses-score/m-p/17403#M4690 I have good credit. My wife has poor credit. Will putting her name on my credit cards help raise her score, or lower mine? I still don't know much about mortgages, but we need to buy a house and I need to use her income. First home too. So we can't even come up with 5% for a stated loan. Please help. Wed, 13 Jun 2007 03:58:44 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Increasing-spouses-score/m-p/17403#M4690 Anonymous 2007-06-13T03:58:44Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Increasing-spouses-score/m-p/17444#M4698 <DIV>Welcome... Adding her&nbsp;as an AU is only a temp fix. You should focus on cleaning up her credit. Can we get more info on what is on her reports?</DIV> Wed, 13 Jun 2007 11:02:22 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Increasing-spouses-score/m-p/17444#M4698 Tuscani 2007-06-13T11:02:22Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Increasing-spouses-score/m-p/17467#M4701 <DIV>I am trying to clean up both my CR and my wife's.&nbsp; Because it was convenient, in the past she has been just an AU on my accounts.&nbsp; As that is going away in terms of her credit score, and in case I get run over by a truck, I am in the process of making her a co-signer on everything.</DIV> Wed, 13 Jun 2007 12:48:33 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Increasing-spouses-score/m-p/17467#M4701 MidnightVoice 2007-06-13T12:48:33Z