<prompt> Human: Ill start out by explaining our situation. Both of us are 26 now, but I met my wife in college. As normal broke college kids do, we went and got one of those high interest, low limit credit cards. Of course the next day we maxed them out. Well I ended up paying mine off and she didnt. After college I ended up getting a decent paying job, and paid it off for her. Fast forward till about 2 years ago. We ended up getting married and having our first kid. Then we decided it was time to move out of our tiny apartment and buy a house. We went to talk to our Mortgage lady and she tells us that we will have to leave my wife off the mortgage application because her credit was so bad. So the house and utilities are in my name. We have been trying to get her a credit card but everyone keeps denying her. She has been a stay at home mom since our first kid was born so she doesnt have an income, so they like to deny her for that. Her score is 540.How can we improve her scrore? Would putting the bills in her name help? Or putting her name on the house help?  <response>: She can legally claim your income has hers when she applies for cards. So just because shes a stay at home mom doesnt matter.Putting the bills in her name wouldnt help because bills dont show up on your credit report. Putting her name on the house wouldnt help because houses dont show up on credit reports either.Read this for how to improve credit: 