Reply to Why is DH's credit score higher than mine?

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[quote=Anonymous]We've been married 20 years.  Other than our individual 401Ks, everything we have is joint.  We both entered the marriage with decent-but-not-fabulous credit ratings, mainly because we were both in our mid twenties without a lot of credit history. No bad history for either of us, just not a long record.

We have:
A joint mortgage - 18 years, refinanced once.  First and only home purchase for both of us.
One joint HELOC about 10 years ago for a remodel, paid off and closed 7 years ago
One joint credit card, limit $20K, we charge most expenses to it and pay it off every month
Joint savings, checking, investment accounts, etc
Mostly joint bills, although some are in his name or mine, nothing significant or vastly different
No car loans.  Had one in both our names about 5 years ago, paid it off in 3 years. 
No other debt for either of us
Our individual incomes are within 2% of each other.  This year mine is slightly higher, but it's bounced back and forth over the years.
No individual assets other than the aforementioned 401Ks, which are pretty similar.

And yet, his credit score is 80 points higher than mine.

When I look at mine for suspicious activity, there is nothing.  The only "dings" on my report are:
- Not much credit history (apparently one long-term mortgage and one credit card isn't much)
- High credit usage (i.e. I don't have a bunch of unused credit lines sitting out there; we charge $10-15K of the $20K limit every month, but pay it off every month)
- Not enough credit accounts
- I get "excellent" marks for paying everything on time, and having stable debt (same mortgage & credit card for many years),.

My credit report literally lists all three of these dings as "areas for improvement".  It says I should open a new credit line (but not use it!) if I want to improve my score.  Aside from the idiocy of how completely ridiculous that is... Those factors should all be identical for DH ... And yet, his credit report says nothing about them.  His score is 830, mine is 750.  Which is still perfectly good, but the difference annoys me.

What am I missing?? [/quote]

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