 If you have really bad credit, and want a credit card to rebuild your credit.....what credit card? |
| I'm trying to get a credit card to build my credit back up....and I have really bad credit....what credit card can I apply for, and get accepted?... |
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 Walmart credit card? |
| I am thinking about applying for a walmart credit card but I dont really have any credit at all because I am 21 and I go to college and still live with my parents, but was wanting to have one because ... |
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 Still needing answer for bad credit unsecured loan need 5k my experian has dropped to 524 & prosper denied me? |
| Every time i apply for a loan my credit drops it was over 600 my problem is that i have 16 accounts but all are current but not for long if i cant get the help. x-wife decided 2 go through the state ... |
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 Is it illegal or some type of fraud to use business credit cards for personal use? |
I'm not talking about maxing them out, but using them instead of personal credit cards, say, if the business closed. The business cards don't show on the personal credit report.
A... |
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 Whats a joint account?? |
| umm my sister was applying 4 mastercard and in the application and they asked her for her joint ... |
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 What if I defaulted on a credit card? |
| First let me say that I have several credit cards. One though has really begun to screw with me. First they raised the interest rate to 21.9% and now the monthly payment is unreal (I have never ... |
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 Which is worse for your credit? Continuously missing payments, or filing bankruptcy? |
| I keep getting letters in the mail from creditors about my deliquent accounts, and am wondering if I should file bankruptcy or not.... |
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 I am a co-signer on a car loan and it probably will get repossessed, what are my rights? |
My father and I are in a car loan together. He is the primary and I am the co-signer. He has the vehicle and he is defaulting on it. How will him defaulting affect me if it is repossesed?
A... |
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 How do these credit card companies get away with ripping people off? |
| credit card companies are charging for you to pay your bill and adding on late fees on your account when you don't even get a statement, how?? there are laws against this, especially in new york.... |
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 I have hired a credit repair agency, Are they any good? |
| I need a mortgage and they claim they can remove most all bad debt from my credit history. I just wanted to get some feedback from those who have used this type of service. Thanks!... |
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 I applied for a credit card, got accepted but then changed my mind...? |
| But when I checked my bank account there is now a credit card account as well with 2 months of late payments and the annual fee tacked on to it. I don't want this credit card at all, but now I�... |
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 What are the average living expenses for a young couple living in their first house? |
| I mean things like certains taxes, gas bills etc. I know there is no fixed answer, but if any of you could help by letting me know some of the expensies or if you in a similar situation how much say ... |
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PlasticTrees | Can my boyfriend and I apply for a car loan as co-applicants? |
We need an extra car. The dealership says that I make enough money to finance, but my credit score isn't that good. My boyfriend doesn't have the income, but he has a good credit score. Will this work? |
 |
 
SPIFIMAN1
 |
This is what I do for a living and what you are talking about is simple.
Put your boyfriend on as the primary applicant and yourself as the co-signer and you will get approved.
Now for the down side, by doing so you both are committing yourselves to the repayment of this loan for the duration of the term. If you two split up? The lender will come after your boyfriend first and then after you.
Don't get me wrong, it can be a very good thing for both of you as long as the payments are made as agreed, it will show on both of your credit reports and help your score. It can also go the other way and destroy your scores if the loan falls into default or the car is repossessed.
Be very careful, I counsel people every week that are trying to overcome this very thing. |
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Vampir V
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NEVER ask for a loan with co-applicants.
NEVER do that. You will be liable for others debts.
Do you really want that????????????
Me not!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! |
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aj485
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You can, but it's a bad idea. It makes you both legally liable for the debt. If you breakup, you will still remain tied to each other through this car, unless you can refinance it.
Having the extra loan that he is legally obligated for on his record may prevent your boyfriend from obtaining credit that he needs in the future, because they will take your payment into account and assume that he has to make that payment.
If you do decide to go ahead with this, make sure you have a signed agreement about what happens to the debt/car if you breakup. You should each have your own attorney to ensure that each of your interests are being looked out for. |
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revrob220
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I think you should buy a lower price car or a used car but don't bring your boyfriend into the mix unless you 2 are engaged or have been together for at least 5 years |
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