So a little background: I moved to the US in May, got married and started work in June and got a credit card with Capital One with a $300 limit as I had no credit rating here in the US. (My prior credit rating from the UK doesn't transfer to the US, which is pretty much a good thing). I pay my card down because, well, I can, and 2 months ago, Capital One upped my limit to $500, Verizon ran a credit check on me for when I signed up with FiOS and then I checked my credit limit on a free site, which said it is 722. I thought that was kind of too good to be true, and checked on Experian today, which gave me a score of 713. Now, I am married to a US Citizen. We're both 26. I'm in IT and she is a teacher. She has student debt and a little credit card debt. We don't have much in savings after using it for my adjustment of status petition and don't have a mortgage or rent to pay (kind of an ongoing wedding present from her grandmother). We want to get to a point where we can either buy our grandmother's house from her and redecorate/redo kitchen and bathroom, maybe build a garage if allowed, as it has a lot of emotional attachment for my wife, or buy a different house. I would also like to be able to approach being able to have a nice car each (all of my previous cars in the UK have been small cars way over 10 years old) and most importantly, live within our means whilst still able to go on vacations and have nice things. What can we do? Should I try opening another credit account or something? Should I even bother setting foot in a car dealership? Should we save 30% of our salary towards a house deposit and if so, what type of account? Sorry I'm putting this on here but I'm sure people have gone through this and can give some helpful advise, say things that we didn't even consider.