<prompt> Human: I had a 550 credit score through out all 3 bureaus. about 2 weeks ago, My mother and wife allowed me to be authorized users on their accounts. my wifes obviously, I pay all her student loans, and debt, and my mother since she wants to help.My credit score after 14 days went up to 669, 668, and unfortunately my equifax is at 580. I need a 620 to qualify for a VA home loan. is equifax a hard one to get back up? I have 0 debt, and now this piggybacking has added nearly 10,000 in credit for me. Should I try to get my own credit card too?Thanks!  <response>: If youre trying to qualify for a mortgage, do NOT open any new accounts right now. New creditaccounts will hurt your score. Im not talking about your mothers or your wifes; Im talking about you getting a new account in your name. 