How do Banks/Lenders look at credit scores for a couple?I have a score over 800 (higher income) and my husband has a score of 720. Do they take the average or look at the higher earner? I've heard the cut off for a good rate is 740March 30 2009 - Chicago00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.