re: Pulled my Wife's credit report today...CC's for me are showing up on her account

That is exactly how it works. I put my son on my credit card when he took a trip out of the country. Fast forward 5 years later. He tries to buy a house, but the credit limit on MY card put over the debt ratio. Bizarre. I had it removed and he got the loan. I was not told this would occur before I put him on my card....Live and learn.