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Question By
Jkb1965

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Why was my husbands score 40 pts lower than mine
We have the same income and our home is paid for.

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A score difference between a husband and a spouse could be caused by an account which is not in both names.   This could be having an effect on your average age of accounts and the overall utilization.   You should print out each of your reports and lay them side by side to see where the difference occurs.   It can also be caused by the reporting date of some of your accounts, depending on when one was added to the report.    Even if you pay off the accounts monthly, a high utilization on one could have a negative impact.  Compare the dates reported and ensure you pay off is before the earliest reported date.  It is also possible that one of the accounts is not reporting on both credit reports.   The side by side comparison should help you determine the difference between the two.    Good luck locating the difference and making the necessary adjustment to increase his score.

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