Miguel and Shonda are married and applying for a loan. They have similar salaries. Before they got married, Miguel had some medical issues and was out of work for a few months. He got a behind on some of his loan payments but has now caught up. What can Miguel do to raise his credit score?
• Nothing-he should count on Shonda's credit for the best terms.
• He should borrow more money to demonstrate he can pay it back.
• He should explain that Shonda's score is good so his is less important.
• Continuing to pay down his debt on time will gradually raise his score.