Posted by Bruce Lawson on May 14, 2002 at 04:42:22:
I would suggest you get a second credit card and treat the exact same way you treat the one one you have keeping your debt/income ratio in tact. Continue paying ontime with your mortgage, those three accounts will give your credit score a solid foundation. You also should make some effort in getting away from the co-signer, and getting the mortgage in your name exclusively.
Your employment information is impotrant on your report, but weather or not your self employed will not reflect on your score as much as your D/I ratio and other factors. Keep all your tax information as proof of income as most lenders will want to verify it for granting you a loan.