Credit score Q

Please let me know if this is the wrong place to ask this. Have a 5.5% rate and have been keeping an eye out for opportunities to refinance.

My spouse had her credit score drop from 800+ recently to 720 after forgetting about a small charge on a credit card. My credit score is 800+. The drop happened after we bought the house years ago.

When looking to refinance is it advisable to try to put the refinanced loan in my name only or does the difference in a 720 / 800 credit score not really matter? Is that an even an option as my wife is on the title and I would not want to change that. Am I overthinking this? Sharing details below in case it matters.

Loan balance:$610,000

Purchase price: $810,000

Home value: $1M

Loc: Essex County NJ

HHI: 325,000 total (225,000 me / $100,00 spouse)

Current rate: 5.5% (30 yr, conventional)

Current payment: $6,000 (900 principle, 2,800 int, 2300 escrow)