Will becoming an AU help me with mortage?

[Anonymous]

I've benn living with my parents since my divorce and plan on hopefully moving out next spring or summer. If my scores aren't quite where I want them to be at to get a better rate my dad will let me become an authorized user on one of his cards. His scores are in the 750 range. I prefer to do this on my own and I can but maybe not quite where I want to be score wise. Im sitting at 629 mid right now. I want to be minimum 700. Can I get a mortage loan being an AU? And if so after I colse on the house I will have him take me off of it. I don't see where that would hurt me since I already would be in my home.

[me12345]

An Underwriter will look at your credit report and determine the amount of impact you being AU is having on your credit scores.....if you have a "Thick" credit file with many other Tradelines, then it would have little impact on your scores...However, if you just one or two new accounts and and an AU account that has a 20 year history, it will have a tremendous impact on your scores and they may require it be removed in order to get a "True & Accurate" idea of what your credit score really is.

Underwriters, investors and lenders have seen have seen it all....They know all of the "Tips & Tricks" and they know what to look for.

Thanks,