 TITLE: Can Piggybacking Credit Help Me Get a Mortgage? CONTENT: Improve Your Credit Before Getting a Mortgage\n---------------------------------------------\nIf you can wait even a few months to a year, you can do a great deal to boost your odds of mortgage approval and generally spruce up your credit by following some basic guidelines for improving your credit scores. In a nutshell, they boil down to:\n*   Pay your bills on time every month.\n*   Pay down credit card balances in excess of 30% of your borrowing limits.\n*   Monitor your credit scores and check your credit report, and correct any inaccurate entries they may contain.\nWhenever you decide the time is right to seek a mortgage, you should take a few steps to make sure you put your best foot forward as you submit your applications, and make sure to apply to multiple lenders to ensure you get the best possible borrowing terms.\nBecoming an authorized user on credit accounts may help you establish and improve your credit scores, which can be a good first step on the way to a mortgage loan. But don't count on piggybacking by itself to get you the home loan you seek. END