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First house/ credit

Hi everyone. My husband and I would like to buy a house in the next few months, we found a house that I absolutely fell in love with so l went through all the necessary steps and spoke with a lender to see if it was even achievable (we were looking to buy a house I just happen to fall in love with this one and it was a good price) The lender came back to me and said our debt to income and everything look great BUT we need to raise our credit a few points. Now my husbands score is low, 540 I think, mine is also low but not from bad credit I just don't have any credit, mines at a 590/600. Lender told us to pay his credit card down to $40 but also said to open 2 credit card, she said it should be joint or both be in his name. She said this could take 30-45 days and I can reach back out so she can run the report again. Can you really build your credit a few points in that time frame? I can only hope the house I love stays on the market for that long but if not, it just wasn't meant to be. My question is is how and what credit card can he/ we get since the credit is so low it's not likely to be approved. And why should it be joint or just him? If we get one joint and one for me will that not help as well? He already has one credit card and I have none. Please help. Any insight and advice is much appreciated. 2 linkedin Officia Promote

submitted by /u/Far-Ad-2028
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source https://www.reddit.com/r/RealEstate/comments/1ijuiaj/first_house_credit/
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