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Increasing FICO Scores


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New to this board.

I was wondering how to improve FICO scores?

I have 549 score with experian. It drop from 680 in about 2 months because my husband has an account that was charged-off. That is the only joint account we have and I thought I was an authorized user, not a co-signer.

Anyway, the collection agent that it was turned over to has been sent a validation letter from me.

That has my scores lower.

How often do scores change. He was unemoloyed fr a about a yar and his credit is shot. I guess mine is too.

Any help would be appreciated

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