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

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[quote=Anonymous][quote=Anonymous][b]You are being dinged because of your light credit history.  Your husband must have more credit in his name.[/b]  You can try to beef up your credit history by opening a few cards, using them and paying them off in full every month.

Is it worth it?  Some people would say so.  If your financial position suddenly changes, then you might need more credit or to get a better rate on your own credit.  On the other hand, if you're solvent and you have savings and a good asset pool, then why worry about it?

Also, 80 points is contextual.  The difference between an 830 and 750 is much less detrimental than the difference between a 700 and 620.[/quote]

OP here.  I get that's why mine is getting dinged ... But he does not have any other accounts.  Literally every single thing is joint, and has been for 20 years.  He's only 2 years older than me and we started everything at the same time.  For those who suggested that perhaps he has a credit card open that I don't know about - nope, we sat and compared out credit reports side by side, they listed the exact same accounts.  But for some reason, mine gets dinged but his doesn't.

It only bothers me on principle.  I want to understand why he gets a pass for the same things that get me a ding.  I don't want to open a new credit card just to game the system, that's just one more thing that'll be susceptible to hacking.  I have enough for my needs.  And it still doesn't explain why there's a difference.[/quote]

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