My wife and I recently purchased a car, during the process I was shocked to learn my credit score was below average (no debt, healthy credit limit and always paid balances in full, good income) while my wife's score was very good (student loan, tiny credit limit and tiny income).
To me this indicates that a history of debt is far more important in these ratings than credit card history. We will be looking at houses this year and I'd prefer to not be caught off guard again. Since taking on a car loan my credit has improved to average (tracking this through creditkarma.com.
I am wondering if there is any way to leverage my spouse's student loan to my advantage.
We live in the U.S.