just curious

[Anonymous]

Hi.  My wife and I recently leased a car.  Our debts are relatively the same (with my adding a 70k student loan) although her revolving is a little higher than mine.  I'm showing 38% revolving and she is showing 43% revolving.  One late payment (erroneous) did not come off of her credit report but came off of mine.  It was a 30 day late from over 2 years ago.  I also am showing 2 car payments to her one car payment.

My question is why did my score go up 30 points and her score go down 30 points after we leased the car?  It doesn't make sense to have that big of a jump on either end.  I'm not at equifax 751 and she is 683.  I don't remember exactly what we were before but we were both over 700.  What do you guys think?

[haulingthescoreup]

What else is different on your reports? Age of oldest account, average age, number of accounts, type of accounts, etc.

I'm guessing that you two are in two different score buckets, so the identical action creates different results for your scores.