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I have a very high credit score and just sort of assumed my wife of 25+ years had a similar score. The mortgage on our house (recently paid off) was in both names. About 6 long held credit cards in my name where she is an authorized user. I just thought as an authorized user of high limit cards (paid in full each month) she would build up a good credit score.

My wife was recently turned down applying for a new credit card. It is one of those cards that gives you a large travel reward bonus if you spend $x in the first 3 months and that is the only reason she applied for the card. It does require a relatively high score (720+). After she was declined I checked her score on Trans Union and it is only 670 (mine is over 800). There are no late payments, depth of credit is 31 years and credit utilization is 1%. I do not understand why hers is so low.

While we have no need for additional credit (now or in the future) I am worried that if something happens to me our current credit card accounts would be closed and she would have a hard time getting new cards in her name.

How can we improve her score? Do we really need to take out small loans (that we do not want or need) in her name? Department store credit cards? Other ways to improve her score?

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