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Okay my husband and I are working with a credit repair agency to improve our credit before we close on our home. my credit score is good but his middle score is 560 (as of 1/30/09). when we first started in sept 08 middle was 461. He has medical collections and other collections that were removed from his report (about 4 things total about 3 left). the rep that we keep in contact with tells us that when they finish he will have a score of zero because he wont have anything bad on his credit and she couldn't really explain to me how that is possible. so I added him as an AU on 3 of my accts. he was thinking about getting a secured card but we think the inquiries will hurt his score. we are confused about what we should do because he had a credit card but it went into collections and now he has nothing but a couple of negatives on his report.
If anyone has any suggestions I would appreciate it. thanks.
yes he does meet the requirements if the CRA are reporting him as an AU.
@MsTucker09 wrote:
so he doesn't meet the requirements even if the CRA are reporting him as AU from my accts that have been open >6mos?
Possibility, depends on age and util.
He really needs some accounts of his own.
Because of the issues that surround AU accounts, some creditors will not accept a report with only AU accounts, even if it is all positive and has a good score.
MsTucker09 wrote:
with mortgage companies is it true they only look at the score and if you have BK or foreclosures
I believe they look at it all.
You might ask over on the mortgage forum though.