 Does me and my husband need a will? |
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redhairedmama75 | The loan is in his name BUT I've made every single payment? |
So the guy I live with has a loan through American General Finance in his name and for reasons I won't get into here (too long of a story) I am the one making all the payments. If it matter I always pay on time in fact currently I am 1 month ahead. This is doing NOTHING for my credit as my name is no where on the loan. However it is a very good reference for him. What would happen if I were to go to the finance company and tell them I am not one paying and not him? Would it benefit me in any way? I can prove that I am the one paying.
Thanks
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Jose V? How am I putting another persons credit at risk when I am paying their bills? |
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SPIFIMAN1
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The only thing that matters is the name on the contract American General could care less who is paying them as long as someone is.
The only way you could benefit would be if they would agree to add your name to the contract. And if you can show them that your the one that has been making all of the payments, they just might. But your boyfriend would have to agree and both of you would have to sign new documents. |
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Kristie B
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Unfortunately in no way will it benefit you. Banks really don't care who pays the loan as long as its paid. If you stop paying on it then he would be the one screwed so in a way I guess it is a benefit because if you stop paying your credit won't be hurt it would be his. Best of luck to you. |
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jack99skellington
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No benefits for you, sorry. And quit paying for this deadbeat. And don't go to the finance company and in anyway try to assume responsibility for the debt. Not only will it not help, but they will have some legal basis to collect from you if you ever break up. |
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emschick638
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Nope it wont help you at all... you have done him a favor.... hey i got loans that need to be paid too... |
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Judy
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Forget going through that. There might be a cost of transferring the loan from his name to yours or adding you as a cosigner.
Your credit is not a problem ---- something else is./ |
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R_Crumb_Rocks
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No. It won't help you. Either refinance the loan with your name on it or stop paying. Let him pay. |
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Jose V
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You don't get anything since you are putting another persons credit at risk |
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stephenweinstein
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No, it would not benefit you. You credit is the record of whether debts in your name (actually, your social security number, because there are too many duplicate names) are paid on time, whether by you or by someone else. It is not a record of whether you pay someone else's debts. |
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Answers-by-Mark
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It sounds like you guaranteed the loan, but you're not a co-borrower. Under that scenario, the loan may not reflect your name as the borrower and thus, you're never reported to any credit agency as the borrower. If your legally connected to the loan and stop paying it will affect you and and your credit, but likely not his credit.
You may be able to sue the guy for the debt that your paying that is, in effect, his, but you need to speak to an attorney before you take that step. |
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OC1999
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It doesn't matter, in fact since your name is not on the loan they won't even talk to you about it. He is the one who applied for the loan, any payments are made to his account. So any positive history as well as any negative history is on him. They don't care if the money comes from him, you, or some stranger on the street.
Had you wanted to have the history reported for you, you would have needed to become a co-signer(very dangerous) or have the loan in your name only. |
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Bubuh
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If you can get them to add your name as guarantor of that loan, than it would be reported to credit agencies. And if they see that they won't receive payments if they don't add your name they would be more than happy to add your name.
I mean they need loan payments right? To profit? |
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