My wife and I are buying a house in June. Her credit scores are (ex:680 eq:696 tu:682), mine are (ex:666 eq:626 tu:624). On my credit report are student loans(all in good standing), one closed cc with no late payments and I'm an authorized user on 2 of my wifes cc's(one with a cl of $28,000and bal. of $20,000 and the other has a $4000 cl and $3600 bal.). Would it help my credit score if my wife removed me as an AU on both, and I opened a cc in my name? Also, she is a doctor who sarts practice in July(already signed contract), would we have any problems getting a no down 30 year fixed for $400,000 with a combined income of $320,000 and the above mentioned credit scores? Thanks for the help!