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

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[quote=Anonymous][quote=Anonymous]I don't know why people are being so hard on OP.  I think it is a valid question.

I actually had the same question.  My DH of 23 years has a credit score that is usually about 50-60 points higher than mine.  My credit is still in the high 700s, but I have been wondering what leads to the difference.  It irks me (very mildly) since I have been handling the finances for our entire marriage.  DH and I joke about it (I manage the money, and he gets the great credit score; he is not great with deadlines).   We are both listed on mortgage.  No other debt.  He had the more recent car loan that we paid off three years ago.  [b]I am guessing it is because he is the primary on the Amex card that he has had since right after college[/b].  Our only other credit card has me as the primary, but the limit isn't particularly high ($22,000).  I asked to increase the limit on that card to perhaps help my credit score, but they denied my request since we do not use the card that much.  [/quote]

You can stop guessing. That is precisely why his score is higher. Average age of credit is a major factor. [/quote]

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