 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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 Respond to debt collector? |
| Someone left a very official/legal sounding message on my phone, I found out it's some debt collecting agency. The message asks me to call them for a "business proposition" or ... |
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 How can i get good credit? |
| im 20yrs old and im tryin to esablish credit at a young age i tried applyin to cards like a jc.penny wal mart stores like that but they turned me down. also i be gettin these credit cards in the mail.... |
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 Co-sign for a relative? |
My husband wants to co-sign a loan for his cousin. How could this affect MY credit in a negative way? I have good credit and don't want it ruined.
Additional Details
My husband ... |
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 I have a car payment that I can not pay anymore. What happens to my credit if I turn it in? |
| I am in a financial bind and I will not be able to make my car payments on top of everything else I have to pay. I would like to keep my car but have lower monthly payments. I think the best thing to ... |
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 Prepaid credit card? Can anyone point out the advantages? |
| I am curious as to the advantages of a pre-paid credit card. Surely if I had money to put on a prepaid credit card then I wouldnt need the card? Also if I had the money to put on a card surely I ... |
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 This Lady Charged me CREDIT instead of DEBIT on my visa check card?! what does this mean!?!?! help please!!!? |
I told her specifically, "I want to use DEBIT" and she charged me credit!
I told her to void it and redo it as a credit and she said that she couldn't.
I'm so pissed...<... |
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 Its it possible for me to start building my credit now,? |
| i am 17 years of age and i wont turn 18 intill june but i was wondering is it possible for me to start building my credit ... |
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msxcheshirexcat | If you have good credit and your spouse has bad credit, how much does it affect you? |
I'm debating this with my boyfriend.
He says that if he has bad credit, and I have good credit, and we get married, his bad credit will not affect me at all.
I say that when we're married ,we share money, so any monetary problems HE has become monetary problems WE have.
Is he right, or am I?
Additional Details
OH, my boyfriend doesn't have bad credit, we're just giving a hypothetical situation! =P |
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ronda s
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Not a problem...until when and if you get married!!! |
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candy licker
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He is wrong. His debt becomes your debt when you get married. Also when you get married he can apply for credit cards in both names and ruin your pretty credit score when he doesn't pay. |
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mntndo
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Guess what? When you get married and apply for loans they will check whomever name is on the application which is usually each of the spouses because normally you want to get approved by showing more income. But if you apply for a credit card under your name only they will only check your name. |
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sunnybums
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You will be affected, as you will be associated with him and as he has bad credit they will do the same for you. I know its daft but thats the way these credit companies work |
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?
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Even with marriage most of your credit is YOURS. After all most people checking credit go by your SS # So that is yours alone persoally. |
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Chris H
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Normally these loans are more expensive than those offered to borrowers with good credit. The interest rates are higher because the lender bears higher risk. Adverse credit loans have more stringent repayment criteria than normal loans. Skip one payment on a bad credit loan and your rate will rise and you may even have to face a foreclosure. |
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?
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totally. |
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star
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wow....i'm wondering the same thing myself...same situation...going to be married in two months...i'm worried too...i have good credit (like you do) and he doesn't...at all...love him to death, but i'm not trying to fix his past mistakes either out of the money i've saved over the years...
we decided that when we get married, we will share ONE account...an account for bills, money for our possible future children, etc....but i'm worried too that the money can be taken away because of debts he has be taken out ?? (kinda small, but still not my responsibility as far as i'm concerned)
please e-mail me with any good advice you receive from this question as i would GREATLY appreciate it!
thank you! |
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nawnndawn
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my husband has good credit, i have bad. when we want to purchase big items, my naem dosent go on amything so my creit wont get run. But when it comes time to buy a house, thats when i am going to worry. I dont want a higher intrest rate just because of my credit. |
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?
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He is right, its only if u guys have accounts together it would affect u.. so don't get things together until he gets his credit in order |
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heavensweetbliss
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You may want to actually think seriously about that. I married someone that screwed up their credit. When he saw mine was good he did some things to mine. Next thing you know I had a Lexus that I did not sign for. Besides that, there are a lot of crooked companies out there that will do just anything for a buck. When you get married there is almost nothing you can hide from your spouse. They can go into a lot of your paper work with other companies and use the fact that you two are married as part of his life. I believe that is another reason why lots of couples that get married don't change their last names. |
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pcchocoholic
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Its not going to affect you as long as you don't want his name on any bills or loans that you may acquire. Otherwise, yes its going to affect you.... He won't be able to finance an engagement ring with crappy credit!! And any kind of car or home loan will either just be in your name or you will have a higher interest rate because of his credit score. If he's in over his head, consider credit counseling or bankruptcy. Its a big decision, but your credit is very important. Take this from someone who has had major credit issues since graduation. If he gets a secured credit card and maybe just charges Gas, or something small (Something he has the cash for) and then turns around immediately and pays it off it will gradually improve his credit. It all depends on how bad it is. Good luck!!! |
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joy s
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you are right. it affect joinly when you are trying to buy anything together. |
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sandrasaundersjamaica
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Your boyfriend is deceiving you. His bad credit will have an adverse effect on your good credit but he is obviously hoping that your good credit might have a positive effect on his bad credit. You should ditch him and find a boyfriend with a credit score at least as good as yours |
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