Fair Isaac Company is changing the formula used to compute the scores which will make piggy backing (being made an Authorized User) on a card of no use in raising scores. Now you have thrown another item into the equation: a husband. Do you plan to get a mortgage by yourself, or with your husband? Since you have the report that your mortgage friend e-mailed to you, the four factors which I have repeatedly asked about must be present under each FICO score. What are they? Are you sure that the one old paid CC is the ONLY bad thing on the report?