Fair isaac 08 and other newer scores no longer factors in authorized users. But 2, 4, 5 are what federal law requires lenders use for mortgage approval for most

Fair isaac 08 and other newer scores no longer factors in authorized users. But 2, 4, 5 are what federal law requires lenders use for mortgage approval for most loans, they haven't approved the newer scores yet. https://www.fhfa.gov/PolicyProgramsResearch/Policy/Pages/Credit-Scores.aspx https://www.fhfa.gov/PolicyProgramsResearch/Policy/Pages/Cre...