Our credit is mostly in my name. How can I help my wife’s credit score?

Q. I have a question about credit when retired. My spouse applied for a gas credit card and was denied due to lack of credit. I applied and was approved. We realized that our banking and existing credit cards are in my name only with my spouse as an authorized user and/or joint owner on brokerage and savings. We are concerned about what would happen should I pass away. Shouldn’t credit companies look at dual income and dual credit accounts when married?

— Husband

A. We’re so glad you’re asking.

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