Yours is fine. Prime is 680-700+++ the higher the better. So let's put it in perspective. You should be able to get (with no major currently derogs) most major cards, any gas cards.. and with few inquiries on your report, an Amex. With good rates. Your husband's score is lower but workable. Does he have sig. derogs or high balances??? If so, work on those too... but, even with his score he likely may get a Citibank, Target, gas card etc. The only thing I will say is if you got your scores off Credit Expert they are sometimes off...
The only scores that matter are your FICO scores... these are the ones the lendors use.... Consumers can only get their Equifax based FICO scores at www.myfico.com As for credit expert, could be +/- 30 points from your FICO Experian score....
