5 simple strategies I used to help my husband get excellent credit that I'd recommend to anyone

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  • When Choncé Maddox and her husband were dating, she helped him build his credit using tips from boosting her own.
  • He opened a credit card, made a plan to pay off his debt, and used a free service to monitor his credit as it grew.
  • The excellent credit score he built helped him get approved for another card, and qualify for a great mortgage rate on their first home.
  • See Business Insider’s picks for the best starter credit cards »

I’ve never been one to shy away from talking about money — especially in relationships. Back when my husband and I were dating and started getting serious, I initiated the money conversation.

“How much money are you making?” That was easy. We were both working part-time jobs in college but had an idea of where we wanted to take our careers. “So how much debt do you have?” During college we both took out student loans and were pretty open about it.

I was pleased to know that my husband didn’t have any credit card debt at that time. However, he didn’t have much of a credit score either. Or even so much as a utility bill in his name.

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  • 4.45 out of 5 StarsEditor’s RatingOUR EDITOR’S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. OUR CREDIT CARD EDITOR TAKES THOSE FACTORS INTO ACCOUNT, AND COMES UP WITH A RATING TO BEST REFLECT HOW THE CARD PERFORMS IN THAT CRITERIA – RELATIVE TO OTHER PRODUCTS WE’VE REVIEWED.A tooltipOUR EDITOR’S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. OUR CREDIT CARD EDITOR TAKES THOSE FACTORS INTO ACCOUNT, AND COMES UP WITH A RATING TO BEST REFLECT HOW THE CARD PERFORMS IN THAT CRITERIA – RELATIVE TO OTHER PRODUCTS WE’VE REVIEWED.Citi Citi® / AAdvantage® Platinum Select® World Elite Mastercard®