 Is a credit card safer than a debit card? |
I know what the difference is in terms in getting credit, but not that is what I'm interested.
I want to know if its safer, for example I've heard that if I make an order using a ... |
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 My parent's credit score isn't good enough for me to buy A new Computer! What do I do? |
| OK, so I'm 14 and we have a family PC that is really crappy. I want a Dell that is only 18 dollars a month, which I can afford. But my dad says his credit score isnt good enough, so I have to ... |
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 Since I paid off 3 credit cards, should I just outright cancel all 3 of them? |
| I have 3 store credit cards that I just paid totally off this week. The only other credit card I have is a Amazon Visa. Since the Visa has a lower intrest rate than the store CC I carry.......it is ... |
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 What is the best credit card for me, I have very little credit? |
| I am trying to get a credit card to start my credit, but so far I hve been denied by Capital One and Chase (Master Card.) I am a full time college student and I don't have a job on the books. I... |
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 Payoff Closed Credit Card Account? |
| My credit card account has been closed by the creditor, but it has a balance due in the amount of $908. I'm working to clean up my credit report and payoff any outstanding debts. Should I pay ... |
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 How good does your credit score have to be in order to qualify for a car loan? |
| I want to trade in my car but I don't know if my score is good enough. Its at 687 right now ... |
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 Do credit cards improve your credit score? |
| Im trying to improve my credit score, (which is in the medium poor range), I just opened an unsecured credit card with a small credit limit, (300$), I was thinking of opening another small acount, W... |
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 Bad credit car loan? |
| Okay i have awful credit from past young stupid mistakes. I make great money now and could easily afford a car payment. however, i cannot find anyone willing to take a chance. i realy wish you ... |
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 I have a credit repair guy that says he can remove slow pays etc etc from my credit. for a fee.? |
| Personally I don't care about the ethics behind it I just don't want to get ripped off. He says he can do it for about $300. Anyone out there have any luck with credit repair??... |
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 My bank notified me that a check I wrote was returned. What do I do now? |
It was for a credit card payment to Target. Do I need to go there or will that contact me or will they just try to re-deposit it? I have the money to cover it in my account now.
Additional D... |
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 Why do banks ask for your national insurance number when you're applying for a bank account? do they check |
Additional Details
the number, because i can't remember my number i think i got it right but now i'm not ... |
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 What can a prospective employer see in a credit check done to a prospective employee? |
| What I mean is can they actually go into detail with your accounts, etc.? OR do they only see you "credit rating" or "score"?? Someone with experience as an employer or manager, ... |
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 Do you mostly use cash,write checks,or use a credit card to buy things?? |
| I always use my debit card......i rarely use cash,or write checks unless i am paying a bill.I don't have any credit cards so if i don't have the money in my checking account,iwon't buy ... |
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 What does a 649 fico score mean? |
| I found out my FICO score is 649. The worst thing in my credit report was I missed some payments on a credit card for 3 months about a year ago. Also, I had a lot of open accounts, but I don't ... |
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 Bankruptcy? |
| My freind was made bankrupt about four months agao and i finding it hard to get a debit card he doesnt want an overdraft or anything he just want to be able to get his wages paid in and that has ... |
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 I need help . my friend open a credit card in my named and she add her self as a authorize user .? |
| she apply thru the telephone she have used the card in her named and also made payments. i call the card company and close the account. but they are still want to charge me for the amount. they said ... |
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| How bad is my credit? |
I know I could get my credit score but it costs money and many of you are knowledgeable enough to help me out for free!
I'm only 19 but I want to get a car loan soon. I am wondering ... |
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jumpingstar | Serious question: What happens when you get married to someone w/ terrible credit? |
I have excellent credit & I’m getting married to someone w/ terrible credit, tax leans, & such. What will happen to me when we get married will my credit get ruined? Should I not change my last name to his? Will that help save my credit? I don't really know much about this so please HELP! Serious answers only please & THANK YOU.
Additional Details
He has been working w/ the IRS to fix his tax problem and he suggested to not change my last name if it would help. So it’s not like I’m marring a swindler or something. |
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Evol
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Your credit will always be separate from him as long as you don't share debt with him. Keep your finaces separate and you'll be safe. Buy a home with him and you'll be paying finance charges and pmi out the wazoo because the bank will see him as a liability. |
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Lisa
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I had terrible credit when my husband wanted to get married. Together we fixed my credit. I contacted a credit councilor and found out what needed to be done and together we fixed it. He even paid off 2 bills for me.
I refused to get married until my credit was fixed because once you marry your credit score is very affected by your partners score.
He refused to wait the 6 months I needed to do it on my own so we fixed it. We combined all of our finances months before our wedding.
I had credit trouble because I was in an accident and didn't work for 18 months and couldn't avoid the trouble I had but once I learned what was important to a credit rating/score I am much better with money now than I ever was. |
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Problem Solver
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No Maam, im married and had under a 450 score on my Fico and my wife had over 750 on her fico now what I don't get is why people are telling you this will affect you?
no one knows what there talking about!
If he owes the IRS money he will be punised for it not you unless you agree to use him under joint accounts, then they can come after you.
If he ask for help by using your credit; be catious! You must be responsible for all the paper work..
Change your last name go for it! Its not going to affect you!
Put it this way you will have the upper hand in the relationship! lol sad but true! |
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kissmymiddlefinger
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it is not shallow to never marry someone with bad credit
bad credit is indicative of immaturity and lack of fiscal responsibility.
this is tied hand in hand with lack of life goals and other emotional problems
The irs will be happy to see the two of you marry!
More money for them.
Please understand that if you are with HIM and his wages are garnished, it cannot help but affect (effect?) you!
what are you going to do or say when he asks you to please put the car loan in YOUr name?
Will you really say "NO" ?
If you say 'yes' out of love,
based on his history can you really trust HIm to pay for it?
If you do find the courage to say no, how do you think that THIS will effect (affect?) your marriage?
i am sure you love him
postpone the wedding for awhile (please) |
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Snoopaloopadusens
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Your credit isn't effected at all because there is no joint credit score. |
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sexytaurus
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Don't enter into any joint debts and do not co-sign with your mate for any type of credit. His actual credit won't hurt you per se but anything needing to be obtained with the use of credit will have to be in your name so be careful about how much credit you obtain. Also, necessities(i.e., utilities, home loans, etc.) will probably have to be acquired in your name so be sure that you keep up with timely payments thereof.
Also, make sure that your husband doesn't sign your name on any credit applications--I have known creditors to allow spouses to do this. In essence, the bulk of things, if not all, to be acquired with the use of credit will fall on you; thus, the burden of making sure all things are paid for is on you. Your hubby-to-be has already demonstrated irresponsibility in that area so sadly, you should NOT rely on him.
One more note, unless he has filed for bankruptcy, a lot of his income will probably be used to satisfy his creditors thus, taking away from your combined incomes.
Enough of my two-cents. |
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liltwerp
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Yes, it will screw up your credit.
You should really insist he resolve all financial issues before marriage.
Changing your last name isn't really going to make a difference.
Get a free credit report, just call up any of the big company's and say you suspect fraud, they automatically generate a report for you to review and then contest any thing that doesn't match up to reality. Get his credit report to.
Make sure he has a solid financial plan to accomodate this debt because if they are siezing his income, it will affect your quality of life. McDonalds or Denny's? Do you really want those choices?. |
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AM-NM centaur
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Bad credit is often a sign of someone who does not follow-up on his obligations or has no concept of basic money management. In some circumstances, an individual may have suffered a job loss or medical condition that ultimately resulted in his bad credit score. |
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nancy
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keep everything seperate. you will probably be the responsible one of the relationship! god luck |
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Scorpion Fence
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Yep. Your screwed. If he owes the IRS they will even take your tax return. You will get calls all day from bill collectors who will turn your good credit to completer crap. Have fun with that. |
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~mobabe~
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And you're sure you want to marry this guy? I'd keep everything separate and not give him access to any of my cards/credit. Keep your name, red flag if your man makes a fuss about this. He should understand if he really loves you. |
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dale859
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it will ruin you as well i know this to be true i had good credit till i got married only shows that you cant trust anyone so make sure you do a credit check on your soon to be wife or hubby or it can come back and bite you in the end |
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Crazyjester9
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There are some flat out terrible answers here by people who simply do not know what they are talking about.
Your credit score is affected by YOUR creditors reporting information about YOUR accounts to the credit bureaus. Your credit score WILL NOT be affected by his unless you are listed as a joint holder on his accounts and/or loans.
Unlike Scorpion Fence suggested, for creditors to report anything about his accounts on your credit report would be ILLEGAL. They simply can not do that out of spite for your husbands troubles.
There is no magic formula they use to gather his information and allow it to effect your score, it's simply not done.
Now as far as the IRS goes that is an entirely seperate scenario and I'm sorry to say I do not know the answer. That may be something you'd want to ask a tax specialist. |
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