I am trying to figure out ways to increase my credit score from 608 and have recently paid off most of the credit balances. By most I mean I have it below 10% credit usage overall. I only have a couple cards, so that part was fairly easy... one card is about $150 out of $2000 credit line.. and another is $25 out of $500.
I have an auto lease that my wife cosigned on (because she has a high credit score). When looking for a home loan, the mortgage company told her that it would be better for me if I did not have a cosigner. When looking at my credit report, though, I can't even find that information saying it's a cosigned lease.
What advice does anyone have? Would it help to try to get her removed from the lease (if it's even possible, which I doubt)? Why would that even affect my credit rating? I have paid on time, so it seems to me that it would only be beneficial.
Confuse.d
