Can you be added to multiple capital one cards as authorized user?

[Anonymous]

I’m 50 points away from the score I need to buy a house. I was added as an authorized user to a friends capital one account yesterday of a 500 limit that has been opened a year. I have another close friend that will add me to there capital one card with a 1000 limit that has been opened 4 years. I wish I would’ve knew about this one first. But just looking for real answers.

[Anonymous]

Others have far more experience with this than I do, but when applying for a mortgage I think it's not uncommon to have them require you to drop all AU accounts, thus forcing your report to be a true reflection of just you.  Mortgage lenders aren't dumb and know that AU accounts can artificially inflate a credit profile.  It's not just about score.  If I were you I'd suggest focusing on other things to increase your score outside of AU accounts. 

Where do your FICO scores currently stand and what is holding them back?  How does your payment history look and what does your utilization sit at currently?  Those 2 factors alone make up 2/3 of your FICO scores and together can impact a score +/- 200 points easily.

[Anonymous]

Thanks for your response!

My FICO Scores are currently 540/578/578
My mortgage scores are 525/545/526

I have (5) late payments from Nelnet. I didn’t know my student loans were due until I saw my scores drop 173 points. This was March 2017

I have 1 collections on Transunion left
222$

I have 8 collections on Equifax
535$ 470$ 136$ 138$ 127$ 140$ 185$
Every one of these collections are MEDICAL. They have hit my credit within the last 2 months.

I have 4 collections on Experian
470$ 635$ 738$ 947$
These are all MEDICAL.

I have 1 credit card I opened in Jan 2018
200$ limit
I was at a 0% utilization April 2018. I would use the card and pay in full which is not improving my score. I left a balance of 25.62 which is 12.81% utilization that will report to the bureaus today.

I have a 315$ loan from World finance opened 11/17 that I paid off last week. I opened a new loan with them the next day for 720$. I was never late on any payments and paid it off 1 month early.

I paid 300$ on my student loans as well for this month.

I was added as AU on a capital one credit card yesterday with 500$ limit that has been opened for 1 year.

I haven’t had any late payments since 3/17.

The loan officer told me they do not look at medical collections so I would not have to remove them. They also told me to become an Au on someone’s account. They actually told me that would be all That is needed to get the 580 credit score needed. They use the MYFICO mortgage scores.

I’ve done so much this month and I don’t know what to expect my scores to be for next month.