“Is it true that since credit scores are pulled by social security number and not by name, credit cards/accounts that are just in my husband’s name (I’m not even listed as an authorized user) will never impact my personal score?”
Our preferred lender tells us that credit is run based on name, social security number, and address. Name and social security number must match or else the credit report will run an “error” instead of a credit score.
Credit only in your spouse’s name won’t show on your credit report. But because most spouses buy property together, a JOINT credit report will pick up both spouse’s credit history and affect the ability of the COUPLE to purchase a property together.
I hope that answers your question. If you have any other questions, please give us a call at 858-457-KENT and we’ll put you in touch with our lender.
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