 Are there any benefits to paying off the debt that I owe? |
| What I mean is that I am hearing that negative information stays on your credit report for 7 years, even if it is paid off. So is there even a point in paying it off if it won't benefit my ... |
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 What is the reason for this? It sucks? |
| I want to buy a house. My credit is not bad. The aturny gen. has a jugement agenst me. It is 4 years old. It was payed off 3 years ago. I have writen letters to the credit *** holes but they will not ... |
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 Money budgeing HELP!!!? |
I am in the same situation as many people I make enough money but still somehow have none let over for cushioning
Auto-$442
Insurance- $127
Rent-$733
Cell-$60
Cable-$35<... |
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 Is it true if you pay at least 10.00 a month, then something cannot be put on your credit report? |
| Is it true that if you pay a small amount each month to a creditor then they cannot put it on your credit report? I owe about 800.00 and some people have said that if you send in 10.00 a month to ... |
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 I has a payday loan that I did not pay, what can they do to me? |
| Can it be theft by check or what? I have some law office calling giving me all this theft by check information. are they just bluffing or what? I cant pay it right now?.?.?.?.?.... |
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 I use a prepay electricity meter, and the credit has gone, I have no money until Friday what can I do?? |
Additional Details
I have 14p left and I have already asked everyone I can think of, to borrow money.... |
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 I'm looking for a good "1st" CREDIT CARD. Who should I go with? |
| Some factors to consider: Im a recent college graduate, I live in southern California, I've never had a credit card, I have no credit, and my main reason for getting a credit card is for use in ... |
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| Solo or Visa Electron? |
| Which debit card would you choose if u had to? or which one is popular? which one is used most?... |
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 If/when i pay off my debt how long will it take to come off my credit report.? |
currently i have 5 things on my credit report.
2 of them are student loans, im good on those.
the other 3 are in collection.
those are:
apartment $5,065
verizon $451
... |
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 Whats a good way to build my credit?? |
| right now i have fair credit, but i just want really good credit, are there any good ways to build my credit that wont take a long time and that isn't a big hassel. maybe some small things that ... |
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Just Me | I have excellent credit, my fiancee doesn't. Will this hurt my good credit or help his bad credit? |
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Jillary von Hämsterviel™
 |
well when you alert your creditors to your name change then you will bring all your good credit history to your new name, if you put him on already established accounts as authorized user or co-borrower it could help his... putting you on as co-borrower on already established accounts he has already made late payments on etc, it could hurt yours, or if you put both names on a new acct and he misses a payment it will hurt yours,,, till then it won't do anything just by marrying him till you intermix your credit and names and accounts |
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Charlotte
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Actually you don't affect either person's credit. Even though you get married, you are still two seperate people with two seperate credit reports.
When you go to buy a house, rent an apartment, open a bank account or anything you two might do jointly both your credit scores are taken into consideration and averaged I believe.
My ex husband had HORRIBLE credit, and he ended up filing bankruptcy after we got married and I was terrified, but everything in his name never directly affected me. Usually landlords and things are sympathetic to these kinds of situations and help you out... just leave him off the cable and phone bills so you won't have to pay a deposit :) |
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J'adore
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neither. you and his credit are completely separate. You guys become responsible for debt incurred while married, but as of now your separate debts remain separate. |
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mj
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Well you will be taking his last name so my advice is to keep you last name and your credit cards.. If you add him on yours then you are and will be one hundred percent responsible if he charges and doesn't pay should you split up..It doesn't matter if he made the charges or not.. YOU are the card holder.
I would be carefullll if I were you.
Get this guy right... You don't need this to reflect on you.. What the heck is going on? You worked hard and paid on time and are responsible, so what is his excuse? da.... |
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Curious
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by marrying this man without getting him straightened out, you will be sucked into a vortex known more commonly as hell. as a married woman, you will be responsible for all debts incurred by both of you, as will he. if he fails to live up to his obligations, they will come after you even after you're divorced.
this is not a good way to start a marriage. you both need counseling before you marry so you can sort out his bad habits. money issues are one of the most prevalent causes of fighting and divorce. |
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pacesforbrighton@btinternet.com
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you would not be able to get credit jointly, unless you wanna get credit by yourself for the next 7 ys dump him. no he could sort out his credit so that he was good too maybe you could help him to do this, by helping him to manage his money |
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datsleather
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Only if you are getting something together they will look at yours first and go with it most likely |
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luvmykids
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Neither. Each social security number is separate. |
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Topex N
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if you buy home , it is better to use person with better credit and not to use person with bad creadit in order to get better interest rate.
if you are not joint any financial responsibilities, it can not hurt anyone.
you will save more money on just getting all credit/ loans on yourself till your fiancee get better score. |
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mzmogul
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Your good credit will do little to help him. Most lenders are going to suggest taking him off of applications to get qualified when u apply for new credit. Be wary of this because doing so will hurt you ultimately even if you pay on time. Your debt to income will become distorted and can cause the rates on credit cards u have now and rates on future purchases to skyrocket like u have bad credit credit . Even if you add him to accounts you already have, only 1 of the three bureaus is currently using authorized user accounts in scoring.
His bad credit will keep you from getting things you were easily able to get before if u apply for things together. My suggestion would be to keep separate credit and banking until he can improve his credit situation because once you are married and start applying for and getting joint accounts your credit files will start merging. It can become a fulltime job monitoring your credit profile to try to keep his stuff from before from haunting you;
wheher it be skip tracers' harassing phone calls or liens and judgements against properties you have acquired together. |
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Warren Bennett
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Bad credit is just that. Bad credit. If you marry and put him on any application you will get refused because he is not credit worthy. Your good credit will not help him. His rotten credit will damage you by not getting the things you both apply for.
You will get nothing and that includes a house. |
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gobonzzo
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Neither. Just make sure you do not apply for a loan or any other credit jointly. The last thing you need is for him to drag you down to his level. Then, after the divorce, your credit will be shot. |
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