 Is a paralegal just as safe to use as a lawyer for bankruptcy? |
| A co-worker of mine referred me to a paralegal that has helped a few of her friends and cousins get through bankruptcy. He is only going to charge me $600 (as opposed to up to $1700 with a lawer) and ... |
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 My wife secretly opened credit card accounts under my name? |
| I just recently found out my wife opened 2 credit cards under my name without telling me. She's been taken money out of those credit cards for gamble. And she didn't make payment on those ... |
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 What website can I go to to get a copy of my credit report for free with no credit cards or monthy payments du |
| I am trying to look at my credit report ot find out if my house phone provider is reporting my payments and bills to any credit bureau. I dont want to sign up for anything that requires payment. I ... |
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 How much of my credit card balance should I pay at a time? |
| I just got my first credit card. The online statement came in on Aug. 17th for $150. The due date is Sept. 12th. Since Aug. 17th, I have spent another $200. My question is, should I pay the $150 on ... |
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 Does paying late on your credit card statment effect your credit? |
| My due date is the Sept 15th I just got the bill today and Its for 500 dollars I wont have the money until Sept 19th when I will pay the full amount is this bad for my credit or will it not make a ... |
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 Question about financing a car? |
If I get a car loan for 20,000 at 9.04% for 72 months is this really bad? How much more in the end will I pay with the interest then?
... |
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 Is Credit Debt Killing you? Do you think The Government should stop the predatory practices of some of these? |
| Lenders....... Id say that once you have paid 3 times what you originally borrowed .... then you should be out of debt. But NOT with revolving credit ...... I see way too many people being allowed to ... |
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 What is your jobb?...? |
Ook i'm nearly 16, so i dont have a full time job yet.
But what do you do? Do you like it?
x
Additional Details
Lol, i know job has only one b, i needed to ... |
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 What are my chances of getting a private student loan or a mortgage with these scores.? |
TRANSUNION 622
EXPERIAN 554
EQUIFAX 593
between my two jobs i make about 2500 a month. no big obligations except a rent of 674 per month.... |
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 Are children responsible for parents debt? |
Additional Details
My parents have fallen into great debt, as they always have been. I have put myself through university, and have been working since I was 12, to pay for clothes, ... |
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 I see that about £6000 has been taken out of my bank account in an act of fraud- what should I do? |
This has happened before with this bank so I'm thinking of switching banks.
I stupidly did follow an email and fill in all my details which (in retrospect) probably was the cause- can ... |
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 I don't know what to do about my credit card... pls help..? |
I have one credit card and no other "bad" debt. I have a mortgage, 2 paid off cars and such... my credit has been great.
Last yr my 2 children had a combined 7 surgeries and ... |
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 If I ask collections to remove an item from my credit after it is paid in full, legally can they do that? |
| I was told "you should negotiate that any payment you make will not just be "settlement in full", but that they agree to completely remove the collection from your credit report."<... |
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 My cell phone bill and harrassing collection agency? |
| Ok, i have a cell phone bill from 2005 that i have not paid, and it's not because iam not responsible, it's because i feel this company had been ripping me off, everytime i got my bill and ... |
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 I am in debt about 12 thousand and need help? |
| I wanted to know if there were any companies out there who help me get rid of debt or at least help with my credit score. I am in my last year of college and I do not have anymore money for school. I ... |
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briansgirl | My husband has excellent credit and i do not? |
i only have fair credit from my mistakes years ago. we want to buy a house, can we just get a mortgage in HIS name? i don't have to be on it , do I??? my credit would surely screw everything up!
Additional Details
he has put my name on his credit cards, but that doesn't change my credit score does it? that would be terrific if it did, since i have learned to pay everything off each month! |
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KathyB
 |
put the credit in his name.. but the house in both! |
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VATreasures
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His accounts should help your credit score some. The biggest thing that will help your credit score is continuing to pay your bills on time. This will also allow the bad marks to have less effect and eventually disappear(after seven years). |
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wolvestears
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I'm in the same position, all you have to do is go to the banker and see what they suggest for the both of you. |
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Studly
 |
When I got married, my wife was in the same situation. Bad credit, creditors hounding her....in time it all goes away.
For now, live off your husband's credit. Put the loan in his name. I would recommend that you get your own credit card and have your husband co-sign. Apply for some discount/gas station cards and use them. That will also improve your score.
Remember, any debt that you had before you were married does NOT merge with your husbands. You each have your own credit history. |
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Big Jay 7
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a way to fix your credit scores is for him to add you to some of his cards, you credit score will increase.
As for the house talk with the mortgage lender they will give you the best advise on what to do.. |
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maxima
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You now have collective credit that should improve yours somewhat while draining his. Since you both have the same assets and liabilities now, you are no longer looked at as separate credit scores/profiles |
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sara97a
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yeah, you are right it would screw everything up. and you can absolutely get a home loan in just his name. look in to every possible situation you can. my husband and i are in the midst of buying a house and going thru somewhat the same things. except we both have good credit. the thing for us is i don't work, at least not full time. i am a housewife and i babysit. like i said, look in to every possible situation. it takes times, don't get frustrated and dont' give up. |
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resource man
|
http://andycaine.123credit.hop.clickbank.net
start repairing your credit right away
or
this one can improve your score in 60 days
http://andycaine.maxfrenzi1.hop.clickbank.net
for the best loan rate on the mortgage if your in a hurry
your husband will have to get it in just his name
your bad score if you leave it that way will hurt the interest rate |
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D C
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You should be on the home loan too because that will help your score as the payments are made (on time). It shouldn't have a big effect on whether the loan is done or not or even the rate because of his excellent credit. The bank will probably make him the primary borrower and you as comaker (not that it matters when it is time to pay). I would talk the banker and they can explain everything to you. |
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