I am attempting to raise my wife's scores prior to getting a home loan in 3-4months. She currently has a mid score of 580. She has a couple of positive tradelines, but all three have limits of $500 or less. Would it help if I made her an authorized user on a couple of higher limit credit cards that I have, that have less than 10% usage? We could get a much better rate if I could get her mid score to at least 620.
