I just have to write a quick post about how proud I am of my husband! When I first met him, he had a credit score 597. In less than two years, we have turned than around into a nice shiny score of 732! That’s 135 point difference.

With time, some of his delinquent accounts have come off his record. He has been making steady on-time payments for the past 24 months, never late. I added him as an authorized user to some of my high credit limit cards. But what I excited me the most, as we were reviewing his credit report together, he said, ‘well with more of my debt paid off that means my debt-credit ratio has improved’. Ah, they can be taught!