This is my first post on these forums after reading numerous threads. Many knowledgeable folks here and I'm learning a lot. Now perhaps you can give some insight into my particular situation.
In my early to mid-twenties, I didn't give so much thought to my credit worthiness. Some 30/60/90's, a couple charge offs, all over 7 years old. Now in my thirties, I've spent the last decade trying to build a strong history. I'm getting there I think. I bought a house last year and benefited from a sub 4% rate. The same year I secured funding for my business and the business credit card has a very large limit. My personal accounts need some work. I have a Chase account with a $1700 limit (my go-to, paid off each month), a Cap One with $3500 limit (at 65% right now), a BofA with $500 limit, Lowes GE with $1200, Best Buy with $1000. The last three are paid in full upon use. No new accounts for the last couple years, and no CLI on any of these in recent memory.
My question is, what should my focus be/steps to take now to continue to strengthen my score?
At the same time, my wife needs some desperate help. She has numerous charge offs and closed several accounts prior to our involvement in each other's finances while dating - a move I might not have advised her to make. She now has only two open credit card accounts.
I would like to help her rebuild her credit as well.
Any thoughts and guidance is certainly appreciated!