why in my wife's rating higher than mine?

[Toller]

My rating is 757 and hers is 807.  We own the house jointly and have never had any debt or been late on a bill payment.  Only difference between us is that our ''real'' credit card is in my name and my wife has 4 specialty cards she rarely uses.  Does that accountfor a 50 point difference?

Both fico score from BarclayBank

Since we have the same credit report I assumed we would have the same rating, but apparently not.

[user5387]

If your wife has four CCs and you have one, I don't think the reports are the same.

Another issue that comes to mind is potential differences in reported utilization of your respective CCs.

[Involver]

Her AAoA and account diversity could differ, which may be the reason for the point difference?

[Revelate]

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@user5387 wrote:

If your wife has four CCs and you have one, I don't think the reports are the same.

Another issue that comes to mind is potential differences in reported utilization of your respective CCs.

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+1 regarding utilization but both of their scores are so high it's probably not substantial utilization anyway; DW's payment history likely has a lot more.

@Anonymous said, for FICO scoring a second credit card is effectively a straight positive (though in this case AAoA would change).  @OP: two tradelines is still a thin file, long-term you likely should consider adding another 2 accounts roughly but your score is absolutely excellent anyway so it's not a mandatory thing.  If you finance a car someday that'd be a good one to do in your name or jointly, and if you become interested in credit card rewards you'd likely want another 1-2 cards as well.  

Nothing needs to really be done now though, any new accounts will be a short-term negative, and as stated previously, you have an excellent score regardless.