Best of Luck & Have a great day;
CEO & SR Credit & Mortgage Consultant of
Everlasting Credit Repair
Making home ownership more than a dream...
Retired Mortgage Banker
You've already taken the first step towards improving your credit by focusing on it. Keep in mind, that if you apply jointly with your husband for a loan, the lender will take the lowest of your scores and underwrite using that figure...
Your credit score is factored using a complicated algorithm that a Math Major would have problems deciphering... the easiest way to improve is to follow a few rules:
Have a checking account. Have a savings account. Have an installment type loan (your car), Obtain a credit card (revolving debt product), pay your bills on-time, pay more than the minimum, and keep your credit accounts open for at least 3 years before closing them.
The "Credit Score Calculator" likes to see a few things on your file:
You have credit products - best to have at least 1 of each to show you know how to use them wisely.
You make your payments on-time, and pay more than the monthly minimum
You NEVER use/roll over more than 35% of your available balance on your Credit Card accounts.
It DOES NOT like things like: Late payments, defaults, charge-offs, payday loans, pawn loans, etc...
Since you have a great payment history on the installment loan side (car loan), I would suggest opening a couple credit cards, and using them wisely. Don't go applying for 10 cards and rack up balances, go get a few and use them properly, never using/rolling over more than 35% of your available balance. You could also get a "Secured Credit Card" which is a credit account backed by a savings account you open at a bank.
I hope this helps a bit!