I have some questions about my family's personal finances and I would appreciate any advice on how to improve it. I belive that I have a pretty good creditline, but "good" can always become "better". I have also some concerns about my wife's future creditworthiness. I am a foreign national and have only lived in the United States for four years. Before my wife and I got married in 1997, she had to file for BK with around $35.000 in bad debts (one of her so called friend borrowed $20.000 on my wife's credit cards and never paid her back) Because of my complete lack of a credit history and my wife's BK, it was almost impossible for us to get any credit for two years. The only credit we had for two years were a secured Capital One card ($300) and a Texaco gas card ($100). After I had been serving in the military for one year (2/00), my creditworthiness magically appeared to have jumped from "poor" to "excellent" because credit card offers started to flood in. I have today the following credit cards (dates,lines, and rates are my estimations from memory): Military Star (Retail), Line: $2,500 @ 12.99%, Open: 10/99 Direct Merchants (MC Platinum), Line: $5,500 @ 14.99%, Open: 3/00 Citibank (MC Platinum), Line: $8,000 @ 12.99%, Open: 8/00 American Express (Blue), Line: $3,800 @ 10,99%, Open: 3/01 First USA (Visa Platinum), Line: $6,000 @ 13,99%. Open: 6/01 I am currently not carrying any balance on the cards at all. My wife is a joint account holder of only the Direct Merchants Bank card and none of the others. We have also have the following loans to pay off: Car loan, $12,000 @ 6.99%, 5 yrs, ($16,000 in 9/00) Student loan, $8,000 @ 7.5%, 5 yrs ($13,000 in 6/99) Our repayments on both loans are higher than the minimum and we are expecting to have both loans repayed at least a year before the final due dates. Our annual household income is around $50,000. We are living in government quarters, so we do not have any regulary montly expenses besides food, cable, phone, insurance, gas, and our two loans. I got my creditreport from Experian the other day. It has nothing negative on it and everything appears o be in order. The only hard inquiry on the report is from 9/00 when I got my car loan. Now, over to my questions: I'm hardly using more than maybe 10% of my current creditline, so is there any reason for me to wanting to improve my credit? My wife's credit has been badly damaged because of the BK in 1997. The only credit she currently has is the joint account at Direct Merchants Bank. The student loan is also in her name. How can I help her to improve her creditrating and get good credit? I do not want to leave her with poor credit if it happens that I never comes back home again from a future war. Thanks for your time and I am looking forward to any comments and answers on my questions.