 I need a loan and I have very bad credit with no co signer is there hope? |
| I have a credit score of 573 but i need a loan to get a new car because mine is almost dead is there hope for me? and if there is where can i go?... |
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 How many credit cards do you have? |
| I have only 1, but I think more than 2 is too ... |
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 Will I lose my house? |
| I've recently separated. My husband accumulated $15,000 in credit card debt before he left. He isn't working now and is applying for disablilty. In the meantime he has no income and is ... |
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 Would this have affected my credit rating??? |
I had a debit card which was used fraudulently a year or so ago. It was cancelled by my bank.
I had the details of this card saved within the account section of a website i often buy ... |
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 Should people that go bankrupt have all there dept totally cleared? |
| i just think that if people go bankrupt they should still pay something towards there debt even if its a small amount. At the end of the day they got themself in that postion and should still pay at ... |
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 If a collection agency requests payment on charged off debt that was never on credit report, do I have to pay? |
| I received a letter from a collection agency addressed to my old name. I found it to detail an amount owed that I didn't recognize. I contacted the company (the person was very nice and ... |
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 What should I do with this debt? |
| A friend used my name to purchase a car and the car was later repossessed leaving behind a debt under my name. Now, a debt collecting company is haunting my family as I am no longer staying with them.... |
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 Is it true that my credit may suffer if I cancel a credit card? |
| I've got a credit card with no outstanding balance. The company cancelled the rewards program for which I originally got the credit card, and so I want to close the account. But my father tells ... |
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 I am in debitet,and no one abil to help me ,please anyone knowes what i have to do?without any bank krupy ? |
| i have got littil problem with my creditores,and no loan or credit card not abile to help me because i miss one payment.i am improving after that missing i never miss any other,but no one abil to ... |
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 My credit score is 729, is that good? |
| I am a 19 yr old Male in college, I just checked my credit score, is 729 good? How good?... |
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 How do i cash a $20,000 money order? |
| my friend wants to send me a $20,000 gift out of his trust fund. he lives out of state now though. but when he sends the money order in western union or fed ex, how do i cash it? i whould normally go ... |
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 What do I do about collection agency filing law suit over over credit card debt.? |
| I was given 10 days to respond to the petition. They are asking for 1500.00, I believe this is an old credit card that went to collection that the available limit was about 500. I need to write a ... |
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 Can you send a cease and desist letter to a credit card company -or does this only work 4 collection agency's? |
| Mom mom is in bad health and can not work, but Sears calls her daily harrasing her to pay a debt she is truly unable to pay. She has no real assest, so she is judgememnt proof. Would telling them ... |
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 Help Finding A Credit Card? |
| For my boyfriend. I don't know how his credit is. I would say fair to good.. Not bad or excellent. But what he is wanting to do is buy a cheap car (Under $2000) on a credit card (so his limit ... |
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 Paypal and Ebay? |
HI,
I have just sold an item for £250 in ebay and the fella who won has paid via paypal. It says that the payment from him is completed so i requested the funds are transfered to my ... |
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 What to do with check? |
| I have got a check it looks real for 2,940.00 dollars it is from Latex Finance Inc they say i have won 50,000 and the check is for help in paying some of the fees,from what i have found out this is a ... |
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 How can i figure out if someone used my ss number to get a credit card? |
| My wallet was stolen with my Social Security Card and Birth certificate in it. How can i figure out if someone has used my social security number to get a credit card? I have no other credit cards, ... |
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Nina | Is it true that when you get married, your credit score merges with your spouse? |
I just wanted to make sure that it was indeed true. |
 |
 
blondie172
 |
No. Credit reporting agencies maintain a separate file on each person. BUT: when you apply for a loan, if you are both on the loan application they will look at both scores. You can apply for a loan in your name only, but then can only list your income, not your spouse's. Also it CAN make a difference on the application whose name you list first. We were able to get a slightly better interest rate by listing my name first when buying a vehicle. |
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Rico
|
No they don't "merge" or average out. If you both apply for a loan the lender will take the lower score. |
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XzoeyX
|
You keep your own individual. |
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luciousgreeneyedlady
 |
How could it? The credit bureaus don't know your married until you purchase something on credit together with both of your signatures. |
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Jimfix
|
It never has with us after 39 years. |
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spot
|
it's not true at all. The only thing that will affect you would be joint accounts of any sort. If you don't have that, you will have separate credit score. |
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Inquisitive125
 |
This is not true at all. Your credit score is determined by the credit you have as an individual. Joint accounts contribute to your score (positively and negatively depending on the account status).
If you want to find out more about credit scoring I suggest that you visit Consumer Advocate Clark Howard's website. He explains credit scoring in easy to understand terms. |
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chameleon_.geo
|
In certain cases yes. generally tho it doesn't help in certain cases as most credit is looking for black marks. creditors do not want to take chances if they can avoid it. if you apply for a loan together with someone else, while your low credit score may be offset by their higher score, not all creditors are willing to "average" it and give you the loan (though many will)
generally they're more willing to if you have low credit and are trying to start out than if you have no credit, a loan default or bankruptcy on record. |
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Mariposa
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It does not. The only things which will be merged are any joint accounts or any accounts which has the one of you listed as a co-signer for the other one. |
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