Why do I have more than one credit score?

Q: My wife and I have been married for three years, but we’ve had joint finances for over 15 years. Both of our names are on our main bank accounts, the car loan, mortgage, and various other accounts over the years. For our credit cards, we each are the primary borrower on one card, with the other one of us as the joint applicant. Recently we decided to replace our second vehicle with one that’s a bit newer and we applied for the dealer financing. We were surprised that not only were