<prompt> Human: So I am pregnant and my boyfriend and I are planning on buying a house before the baby is born dont worry, the relationship aspect of this is fine-- we have all of our plans laid out. His credit score is currently 695 and mine is 650 ouch. His was suffering due to a stupid forgotten debt, and mine just took a hit due to absolute stupidity. For my score, I am trying to get my settled debt off my credit report definitely using my baby pity. But, I know that this is no guarantee, so my guess is that my credit score may be left out of this whole mess. For his, it has been going up quickly since he paid his debt, and we are trying to figure out ways to give it a quick boost. I have added him as an authorized user on my credit cards. He currently does not have any credit cards, so we are trying to figure out whether getting one would hurt or help his score in the short term. I know that hed have more credit and that has a significant impact on the score. But, it would also be a hard inquiry. I dont know which wins in the short term.Do you guys think he should get a credit card right now, or just leave the score to naturally begin to rise? Do you think mine will bounce back if they remove the collections debt from there? Any tips you can provide to help us improve our credit scores would be amazing. This has been an unexpected twist, and it sucks because 1 month ago, I figured I had plenty of time to let my score naturally return to its previously great score. EDIT: The numbers-- which I should have included in the first place. Apologies. His income: 75k Next year more like 95kMy income: 45kSavings for Down Payment: 35kBoth of us have healthy retirement funds and are 25 soon 26. I do not have any debt, he owes 18k on his car. These numbers do not include baby savings emergency fund continuing to live thriftily after house purchase to save for the baby. All of this can be combined with the fact that we both have very supportive families and will likely not have to buy most of the baby furniture, etc. Assistant: The best response to one of these questions Ive ever seen on this sub wish I could credit the user, but forget their name was that a baby doesnt know the difference between an apartment and a 3-bedroom house. Everyone harps on about needing to buy a big house before their FIRST child comes along when in reality, a lot of people can survive in their current dwelling with the first baby and then make plans for a new house once theyve settled into life as parents.Human: A baby doesnt know the difference, but the parents in the cramped apartment do. We absolutely cannot stay in our current apartment, but a 2 bedroom is doable. But if we move to a 2 bedroom, our rent would go from 675 to about 1300-- more than where our hypothetical mortgage would be at.  <response>: A baby doesnt know the difference, but the parents in the cramped apartment do.Plenty of people manage it just fine.Whats more important? A house right now or better financial security and positioning in the future? 