Wait what? I'm confused what's going on in here.
You want to apply for a credit card using your roommate's credit?
You mentioned you have a few dents and dings on your credit history. Because you were so forthcoming with your roommate's credit history on a public forum, would you please do us the courtesy of showing us yours, as well?
I don't want anyone to get in a bad situation here. Please understand from my perspective this looks like someone's excited about fake cash and a big spending limit so they can buy something big on somebody else's good credit rating.
edit: STOP.
I just read through your post history. You are all over the place! You're looking at getting a mortgage but your credit score is 20 points shy, you are trying to get approved for a secured (?) card with a soft pull instead of a hard pull, you want a large spending limit for some reason...
1) If you want a mortgage STOP ALL CREDIT SEEKING ACTIVITIES NOW. I don't care who's putting down their credit file for the card, you seem to have a desire that you are not matched up for with a need right now.
2) If you have cash flowing into your pockets, pay off your debt first. Stop using credit cards completely.
3) Do not apply for new cards. DO NOT apply for new cards.
4) Be PATIENT. Credit ages over time. Rushing it does not work. Being a good caretaker of it is one thing; knocking out old derogs, tidying up erroneous reports and making sure everything is proper. But you can't rush it once everything is in place.
Please, please. I got up from a nap because I was lazily reading the myfico forums and rushed to my PC and sat down to type this. Your posts have raised my anxiety and I don't even know you. I'm not trying to reprimand you, I'm just worried for you. I know the temptation and if you are truly excited about taking out a mortgage just please stop.
I am willing to take a look at your credit report details and help you out (as I am sure others here are willing to as well) so we can shape you up to apply for that mortgage. Rates are great right now. Help us help you?
edit: formatting, grammar, etc
@Azza wrote:Wait what? I'm confused what's going on in here.
You want to apply for a credit card using your roommate's credit?
You mentioned you have a few dents and dings on your credit history. Because you were so forthcoming with your roommate's credit history on a public forum, would you please do us the courtesy of showing us yours, as well?
I don't want anyone to get in a bad situation here. Please understand from my perspective this looks like someone's excited about fake cash and a big spending limit so they can buy something big on somebody else's good credit rating.
edit: STOP.
I just read through your post history. You are all over the place! You're looking at getting a mortgage but your credit score is 20 points shy, you are trying to get approved for a secured (?) card with a soft pull instead of a hard pull, you want a large spending limit for some reason...
1) If you want a mortgage STOP ALL CREDIT SEEKING ACTIVITIES NOW. I don't care who's putting down their credit file for the card, you seem to have a desire that you are not matched up for with a need right now.
2) If you have cash flowing into your pockets, pay off your debt first. Stop using credit cards completely.
3) Do not apply for new cards. DO NOT apply for new cards.
4) Be PATIENT. Credit ages over time. Rushing it does not work. Being a good caretaker of it is one thing; knocking out old derogs, tidying up erroneous reports and making sure everything is proper. But you can't rush it once everything is in place.
Please, please. I got up from a nap because I was lazily reading the myfico forums and rushed to my PC and sat down to type this. Your posts have raised my anxiety and I don't even know you. I'm not trying to reprimand you, I'm just worried for you. I know the temptation and if you are truly excited about taking out a mortgage just please stop.
I am willing to take a look at your credit report details and help you out (as I am sure others here are willing to as well) so we can shape you up to apply for that mortgage. Rates are great right now. Help us help you?
edit: formatting, grammar, etc
Probably the best response/advice to this person, though they aren't too receptive to the advices we give. Sometimes you have to take a step back and let your head clear
Okay, so first off - if your minimum is 660 (is that Fico 8 or a mortgage score?) then you should all be shooting for 700. For two reasons off the top of my head:
1) 700 is the minimum to get some good rates. MINIMUM. Especially on shorter loans like 5/1 or 7/1 ARMs, you can get rates competitive to entire 30-year fixeds. And the rates are smokin' hot right now, so why get tied up with worse rates if you can be patient and save a lot in the long run?
2) When you take out that loan you're going to all be responsible for the maximum loan, so if you're taking out a loan for say, $250,000, it's not going to split it up, it's going to say each of you are on the line for $250,000. That means your DTI is going to see some interesting changes, and your credit is going to take a medium-term dip.
Alright, now I'm not going to dive too much into this because I don't have all of the details, but hopefully I can offer a few pointers. Keep in mind the mortgage is only taken out at the lowest credit score's rate, so there is no averaging or anything. NOTE: All of this process could take a couple of months, if not longer. Seriously do not apply for credit right now 
Kenneth: depending on his collections, if he can pay for remove and it's for smaller things then you guys can help him out. File disputes with everything and get all of the information ready so you can either have stuff knocked off straight away, or see what PFR are available. If you guys do a 3-way mortgage then he's legally off the hook responsibility-wise.
Jauwan: He should retain his 'thin' file and continue to establish it. If he applies for credit right now it will knock him down a substantial amount depending on how long that card has been established. He should not apply for new credit right now. When you are seeking a mortgage you never apply for new credit until point blank you are declined for a mortgage.
Benny: you guys have so many store cards... how old are you guys?
You: 650 is not 'right on the cusp,' you want 700. You have 6-12 months of aging to do, if not a bit longer. You can perhaps kick it in the butt by: calling the collection agencies and ask if they will remove the collections from your report. Have you paid them? Did you settle or PIF? getting those knocked off could bump you up by at least 20 or more points and that would give you some headroom to securing that mortgage in six months rather than twelve. And you already opened a card just recently? dude!
So when a bank looks at giving you a house they are not looking at the score. I mean they do, but they look at the entire picture. They want to see that you have established your history and are in a habit of paying your debts on time, living within your means, and possessing the ability to pay the mortgage on top of all of your other spending histories. Credit reports don't just show a snapshot of one point in time, they tell a story. Old collections say someone was irresponsible in the past, new collections say they're irresponsible right now. Debt on a credit card says you are prioritizing new spending against paying off old spending - not at all what someone offering you a piece of property for hundreds of thousands of dollars wants to see. Inquiries show frequency of how often you're trying to get the next shiny thing. Lots of inquiries reek of desperation to spend beyond your means and banks will auto-decline you for that, which is why it is so critically important not to apply for new credit for at least a year before applying for a mortgage.
TIME and WAITING is the only way for you guys, I think. But that means nothing exciting for a year at least, and paying off your debts. What's your guys' living situation like right now? Roomies in the same place? All employed? Do you guys have debt or are you clean?