<prompt> Human: Did you guys know that sometimes, your credit score doesnt mean dick? I had no idea.My father passed away in November, just in time to miss my wedding to the only girl I brought home that he liked. I thought the man was flat broke, but he left both my sister and I enough to outright purchase a decent starter home. As Id rather not cash out the entirety of my inherited IRA, I set about getting preapproved for a mortgage, 15-20 year fixed rate.Ive always been pretty solid with my credit card... its in my name alone, Ive kept the balance low and paid it on time 98 of the time over the past 7 years. So I checked my credit score and, hey, its fantastic! Surely there will be no issues at all.Turns out, my credit score was ballin because my father made me an authorized user of his Discover card over 20 years ago, back when I was in kindergarten. And forgot, I guess, or just never told me. Point is that my oldest account is almost as old as I am. He had the best intentions, Im sure. Ive heard lots of knowledgeable people say that being an authorized user on a responsible adults account is a great, stress free way to build credit when you have none. And for sure, I look good numerically.But I just got a call from the bank saying they cant underwrite a loan, because my credit score isnt my score. Not even if Im offer to float 50 as a down payment. So, I come before you, PF gurus. Ive already disputed the Discover account presence on my report with the 3 credit agencies... is there anything else I can do to fix my fathers good intentions and get a credit score thats mine all mine?Edit: Some extra information, because I dont know. - Im 27, my wife is 29. Between the two of us, we earn a little over 50k per year in one of the poorest states in the U.S. - I was a waiter for the last three years, but recently began a multi-year IT contract job with a prestigious international contractor. My wife has been employed at the same school in several positions for 7 years. - I personally have two lines of credit: my credit card, and my student loans, which come due in December. I have not had a late payment on that card in over three years, and it has never gone into delinquency, although I did have a hold placed on the account due to late payment early in the life of the card. - My wifes credit history is a similar story: shes an authorized user on one of her fathers credit cards, but she has no personal lines of credit.  <response>: Find a different lender. 