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Reply to "Why is DH's credit score higher than mine?"
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[quote=Anonymous][quote=Anonymous]I work at a credit union. We recently (5 years ago) stopped with co- owners on credit cards. One person is primary and the other is auth user - and being reported that way. Maybe there was a change in how a joint card is being reported . [/quote] This was my guess. I think most institutions have gone away from truly joint CC ownership. Also, OP, your utilization rate is CRAZY high. If you needed credit and they pulled your report when you had 75% utilization you'd have a problem. You should open a new CC, as should your spouse. You need to get that utilization down. [/quote]
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