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Mortgages, credit cards & authorized Users

Regular Contributor

Mortgages, credit cards & authorized Users

So my friend and her Husband are looking to buy a house in 2 years. She has 3 cards and he only has 1. I know the Fico scoring system wants 3. So the question is if she makes him an authorized user on 2 of her cards will that be good enough?

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Super Contributor

Re: Mortgages, credit cards & authorized Users

3 probably will be fine, but with planning so far ahead of time I'd recommend more than 3.  I'd recommend 5-6 cards each and authorized user cards are fine, but would still recommend they each open their own.  Open them, use each at least once every few months, pay in full and repeat.  

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