 How do i go about getting companies off of my credit score? |
my creidt score is terrible as of right now! i had seen my credit report in person! i see where some companies still have me on there for a report purpose only, because ive got them paid off!
... |
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 Building credit question, help!!? |
Secured credit cards are designed to assist people who have never had credit or those who have bad credit, in order to enable them to establish a good credit rating.
Must one be 18? If so, is ... |
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 After you have paid all your bills for the month - how much money ..? |
| do you have to spend on yourself for going out/ clothes etc for the month????... |
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 How can I rebuild my credit? |
| My credit is really bad and has been for about 4 years now. I cant get excepted for any kind of credit cards and because of some old hot checks I cant get a bank account. I have tried to get a bank ... |
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 Cleaning up my credit report? |
| I have a lot of old debt on my report. Plus a few things that were added about a year ago. A few things are going to fall off this summer. I went through 2 layoffs and a car repossession ( the car ... |
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 Does anyone knoe of a FREE crdit report site.Where I DO NOT have to give a credit/debit card# to get my score? |
| I don not want to give my debit or credit card, I want an absolutely free site, where I can get my credit score. Thanks.... |
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 Credit Score? |
| I don't understand what credit score is..can someone explain in very simple terms? and what a good and bad credit score is? How do you get a good score or a bad one??... |
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 I had an overdrawn account at Lloyd's and cos of this my credit rating is bad and I cant open a student? |
| account how do I imporve my credit rating? it was a lng time ago and they closed my account at Lloyds TSB, but my credit raing is still ... |
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 Is it possible to make yourself bankrupt without losing your home? |
it's just something i was talking over with a friend recently who is in debt and is pondering this question.
Additional Details
lol@ gashotel, interesting answer, but i suspect that ... |
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 Can/will unpaid medical bills be reported and applied to my credit history? |
| I heard that a law was passed which doesn't allow unpaid medical bills to be reported on a persons credit. Is this true?... |
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 Is it worth paying off collections or using the money to get a secured credit card? |
| I have about 4K in past medical bills from 2 years ago. Would it be worth paying them off, or put a deposit on a secured credit card to help inmprove my credit?... |
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 Free stuff? |
| REALLY FREE. you know, no sponsor offers to fill out, no signing up for anything, no shipping and handling fees, no filling out any form or ANYTHING. i want free stuff where you just fill out your ... |
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 How old should you really be when you use a credit card? |
| I'm just 11 years old and I wnat to buy stuff in the internet.... |
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QtazL | Credit and marriage? |
If I was to marry would my bad credit affect my husbands credit...and would his good credit affect mine? |
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benji
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What you need to do is keep everything seperate until you restore your credit. Unfortunately it takes longer to restore your credit than to ruin it. You need to bring up your credit score. I'm dealing with these issues myself, but I was the one with good credit until my husband ruined it. |
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oldtimekid
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Not directly, no.... unless you wanted to get a joint loan or something (credit card, mortgage, etc). Your credit is your credit, his credit is his credit.
The only way that either of your credit scores would affect the other is if you are co-applicants on a loan. If one of you has bad credit and the other has good credit, that may impact the ability to get the loan (or the interest rate on it), but his won't "leak" into yours and yours won't "leak" into his.
With that in mind, if one of you has poor spending habits, you may want to discuss which one of you will be in control of the checkbook and bills..... just to avoid the one with poor credit directly impacting the one with good credit. Good luck! |
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XoxoxoxoX
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Only if you both have joint accounts. |
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Brian P
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No it would not. |
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deedee
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no, your credit is in different names. actually yours will damage him from getting a good deal if both names are on a loan. it would be better for you to let him get things in his name only. |
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itsallgood
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Only if you get things in both your names and are late on payments. I believe that you would start to earn bad credit as a unit but I could be wrong. I know that my husband and I both have different credit scores (mine is ALOT worse...lol)
Take it from me...(I've been there) try not to get into credit card debt and live within your means. |
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roginad
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No, until you do not have joint accounts. Just do not add his name on your bad accounts. On other hand he can help you to rebuild your credit by opening new joint accounts or adding your name on his existing accounts. Keep in mind, joint accounts should be in good standing otherwise they will hurt both of you. Also important, when you applying for a large credit together, most companies, especially in mortgage business, consider the primary wage owner credit score to determine how much it will cost you (interest rate). So, be careful when you ready to do so. |
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Go Bears!
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Neither - If you wanted to make a purchase that required good credit, you would have your husband be the primary on the load (or whatever). Or if it was a smallish loan ($5,000 or less) you could be the primary and your husband could co-sign which (if you don't miss payments) could help your credit score. |
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kiya
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yes, sound like it will work in your favor. The only think with him is that he can't get nothing in your name, but you can get anything you want in his. |
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Moorelove
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Your credit reports are still looked at individually. Your bad credit will impact him, though, when you are looking to apply for any type of loan jointly, such as a mortgage. Here's a site online that has information about this type of situation:
http://www.creditscorenews.com/marriagedivorcerelationships.html
Good luck! |
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Fireball226
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not necessarily...my hubby has a separate account and is paying off old bills and my credit is great... |
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Amy V
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If you jointly apply for a loan they look at the credit records of everyone applying. |
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In some way, your credit histories are going to cross, so I think yours will bring his down before his will bring yours up. |
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