So not as bad as thought and now in January it is 638, so 50 points higher.  My credit was much worse a few years ago, but I think several years of being married and being a parent has helped.  I have been a little more responsible and have piggy backed on my wife's credit a little bit.  My wife's average credit score is 680, so quite a bit better, but can still use some improvement. 

I have researched a few options on what we think would be the best options to raise our credit score.  The le...
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