Sillygirl wrote:Just a temporary decrease so that the lenders would weigh my higher score more heavily. (He said they look at the score of the higher earner as the primary score.) So if my husband had lower income, and my scores were better, they would go by mine. Our income was within hundreds of dollars of each other and my husband is hourly while I am salary. A decrease in his overtime would knock him under my salary and then my scores would count more. Then we would pick our income back up once the deal was sealed. Just a temporary manipulation -- which I'm learning is how the credit game works a lot of times!