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Update , wifes score took an 11 point drop with TU now shes 714, I added her as a registered user to the Best Buy account which just started reporting. We are still where we need to be. The Capital One card will probably drop her again. Our mortgage lender pulls are complete and we will carry a $0 balance on all accounts through closing. So we should be fine.
I have found her ceiling for adding new cc's. TU was the highest drop from the newest addition.
Experian dropped by 2 points , lender pulled a 750 Tues.- today lender pulled a 748
EQ has yet to show the account, still pulled a 757, I had her look for the card and she confirmed its not showing yet.
So, now we add nothing but time to her accounts.