Thank you for your reply. Let me assure you that my wife and i have been together 12yrs and have all joint accounts with the exception of the recent credit cards simply because I was rejected. We have printed all three reports and viewed them side by side. Unless there are things which creditors can see and I cannot, our bureaus are the same. Since her acceptance for credit her score has jumped 149 points and mine has remained a dismal 580. The only thing I can guess is it might have something to with my son who has my name. But again, there is nothing that shows on my report. I am considering getting a lawyer to try and help me with this depressing situation. If that doesnt help then i guess i will throw in the towel and be happy using cash only like i have for the past 25 years. Buying a house is not worth the stress of these past 2yrs. And if cc companies think Im going to pay 100/yr to have a plastic card in my wallet that i dont need they are dumber than they must think I am.
