<prompt> Human: I have some 8 year old bad marks that dont even show up anymore, otherwise I have no real credit scorehistory of my own but a 795 based on being an AU on my dads accounts.I thought I was doing OK since my score was high, but recently found out that since mortgage institutions look at your report in addition to score and can see that youre only an AU, not the account holder, that this will not be sufficient to qualify me for a mortgage. It makes sense, but it sucks for me.What should I do here?  <response>: Talk to a mortgage broker. Lenders look at a lot more than just your report; your bank statements and pay stubs are also important. If you have a big down payment ready and a steady job, you can probably find something. 