Debt to Income

[CARLA82]

I am an authorized user on my husbands Kays card. Will the bank count that payment in on my debt to income ratio when applying for a mortgage loan, since I am not financially responsible?

[cdtotten]

No they shouldnt. Usually an AUs trade line will show the current balance/limit/age etc... but will have a payment value at $0.00. The underwriter should be willing to exclude even if there is a payment amount, but if they are not you can always quickly request the line to be removed and have your credit repulled... although losing the account may hurt your score due to AAoA.

[BrianB_The_Loan_Professor]

How is it reporting on your credit?

If it is on there with a payment you will need to show you are not paying it for it not to count