<prompt> Human: We both contribute equal parts to our income, and will have at least 20 down payment. I have a 750 FICO score, but we think my wife has no credit at all. She cant even pull her credit report from the usual free sites because they cant verify her identity probably because they have no information on her.She had a student credit card back in college, but closed that a couple years ago. Other than that shes never had a loan or credit account.I just added her as an authorized signer with her own card on one of my accounts, but Im reading stuff online that some sites say that helps and some say it doesnt.Ideally we would like to purchase a house in about 12 months, how is her lack of credit going to impact that? Can we significantly improve it before next year?  <response>: Is it possible you could qualify for the mortgage on your income alone? It may be simplest to just leave the wife out and do it all in your name. 