As very low income housing, the 30% AMI units where the city gives tax breaks to housing developers if they build units that rent to people that make under $22,000 annual income or 30% of the AMI require a 750 credit score and my credit score is only 724, then I have to get it up 26 points so I can qualify for very low income housing.
I have good credit a 100% payment history on my report and my credit is too bad for very low income housing units. I'm about to just get a mortgage and buy a house instead.
Now since I was denied for very low income housing based on credit for having good instead of excellent credit, I have to wait for 3 more years up a waitlist.
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I don't think authorized users get reported to credit agencies, it's all under the primary account holder
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I asked on /r/creditscore, they recommended I get added as an authorized user and then take myself immediately.
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Looks like US does it a little differently, doesn't mean anything in Canada
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