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. ... View more

My wife and I both have the same remarks on our credit records. We both have union construction jobs making very good money. 5 years ago we went through a difficult time which incurred a lot of medical bills a few of which went to collections. We paid them off together, at the same time and applied for a credit card. She was accepted for $3700 in credit limit between two cards. I was declined. Since then I was able to get a credit card for $300 but have been declined for anything else. My credit score remains at 580 and hers is over 700. What gives? Is there something on my report that i can't see? Our money is in a joint account and we're share all bills. Our dti is 24% and we have 2 months worth of bills in savings. I am at a loss of what to do. ... View more