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Piggybacking

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VGJOHNSON
New Member

Piggybacking

Currently I have my 19 year old son piggbacking on a couple of my CC's as he is new to credit. In doing so, how long will it take to generate a myFICO for mortage?

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ShanetheMortgageMan
Super Contributor

Re: 19 year old trying to get a mortgage

IMO the mortgage scores should report any month now.  Shortest credit history I've seen generate scores was 1 trade line at 7 months and 2 others at 6 months.  Government mortgages (FHA, VA, USDA) permit no credit scores by documenting 3 forms of non-traditional credit (rent, utilities, etc.) with 12 month histories, but you'll have more options once scores generate.  Hang in there.

Free Mortgage Advice & Pre-Approvals (FHA, VA, USDA, Fannie, Freddie, Non-Prime, Construction, Renovation/Rehab, Commercial) since 2002
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