CreditKarma is reporting my score at 674. Four years ago, we missed three mortgage payments and short-sold a house (wanted to move out of state at the bottom of the market and didn't realize what we were getting into).
Mr. FP's credit score has largely recovered--he took out an ill-advised car loan in his own name just before the shit hit the fan and has since sold the car and paid it off. Also, all our joint credit cards (I believe we have four altogether) are in his name, and I'm an authorized user. I think our total credit from those cards is $40-$50K, but we only use them for our regular expenses.
In my own name, I have one credit card with a $4500 limit and I occasionally used it. I recently asked them to raise my limit to my credit utilization would be lower. Would it help my score if I got a second card--from a store we shop at often, maybe? They did not give me as much of a raise as I asked for, so I got that piece of paper with your score and info about it and it said that I had "too few accounts currently paid as agreed."
We want to buy a house in the next year or two, so I want to get my score up but have some time to do so. Not sure what else will raise my score as I have already paid off my student loans and have no car loan and no need to finance anything.