@Anonymous wrote:
Can I increase my credit by adding me to my husband credit card he got one month ago . I have no credit cards just a school loan and my score only goes up by 10 points every
month. And does any one know if I can get a house fha loan with my score.
Credit score
TU 623
eq 583
exp 605
It might help since you don't have any cards of your own but generally being added as an AU will only help IF the account is much older than any of yours, IF the payment history is long and clean, IF the utilization is very low, and IF it will report to the CRA's. Not all cards will do this.
I need to ask also where did you get those scores? No one has been able to pull their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myfico. I suggest you do an internet search for "myfico discount codes" to save a little money. You can also purchase your Equifax score at www.equifax.com (If you look hard enough) and your Transunion score at www.transunioncs.com.
When applying for a mortgage lenders will pull all three scores and I believe the minimum needed for most mortgages is a middle score of 620 but don't hold me to that. Someone will correct me if I'm wrong.
From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772
You can do the same thing with hard work
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