 I need advice about if I should divorce him? I think he was using me? |
About 4 month ago my husband kick me out of his home with all my clothes( I said his home because before marriage he made me sigh a Pre-Nup agreement and I did)
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T... |
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I was just wondering because over here in the UK we have free health services.
Additional Details
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S007 | All the utility bills are under my husband's name and not mine..? |
could that ever be a problem? it's because I moved to his house after we got married and he never bothered adding my name to them. I've been paying the bills, should I have my husband add my name? if yes, why?
Additional Details
Thanks all for your responses. Yes, I have excellent credit and I get my cell phone bills and personal bills at our address, so it doesn't look like I need to add my name to the utilities (Florida). Thanks again :-) |
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orangeflameninja
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Utility companies DO NOT report on any credit bureau UNLESS you don't pay the bill. There is absolutely no benefit to you adding your name to the bills. Other than cell phone companies, you will even be able to make changes to the accounts without your husband's concent in most cases. |
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nanstheman
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Why NOT? Your husband should be willing to make this addition/change to your account; should something happen to him (sudden death), you will have a difficult time getting credit if you don't already have a payment record established in your name. |
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quambewy
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you might need a utility bill for something official at some point so it's a good idea to change the name to yours or add yours to something simple like a gas bill but you might want to keep only one name on most of them...that way if you ever run into financial problems and can't pay things off on time, only one of you will end up with the bad credit and the other one will still have the freedom of taking out a loan if you needed the money. |
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♫ Mad Luv ♫
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if your credit is okay and you don't need to build it why bother with the hassle i mean your married right! |
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KitKat
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Why bother? If you want him to add you, fine, but it's not really necessary. |
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jm
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well I'm guessing your concerned in case of a split, well as long as you have paperwork showing that you are paying it you technically should be fine, such as bank records, etc. but they should be in both of your names, makes alot of things alot easier. |
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elgil
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As long as both of you stay together, you won't have any problems. Other wise... |
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Yobo Cat's Mom
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I'm not sure about where you live, but here in Hawai'i, our utility companies won't let us have 2 names on the account. Weird! I don't know what the problem is with that!!?
Usually, they don't care who's name is on the bill, as long as it gets paid. When my dad got sick, I moved back home to help take care of him & help with the finances. After he died (1999), I just kept paying it.
When my fiance moved in, he started paying it with his check. Still under my dad's name, but they didn't care. We tried to change it to my fiance's name, but they wanted to charge us $75...just to change it to a new name & wouldn't allow 2 names. They did allow us to change it to my mom's name at no charge since she is his surviving widow, & we still pay it with his check.
As long as you pay on time, it won't effect his credit report. So, unless you & your honey are having problems ... which seems unlikely (because break-ups can really mess with credit reports if one person is vindictive...been there)., it shouldn't matter that it is under his name.
If you are hoping to build your own credit history, make sure you have a few department store cards & credit cards. Use them occassionally instead of cash/check & pay them off in full monthly to establish your own good credit report & score or rating, & to avoid un-necessary finance charges. |
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leysarob
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Usually the utility bills are only filed under one social security number anyway -- irregardless of how many names are listed. Adding your name would make no difference.
The only problem would be if you divorced. I'm guessing you're happily married, so that's not going to be an issue. |
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bobby
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no i think you leave it, it's bills. why do you want it under your name, this way he is responsible for payments. Its not like house or a car, its damn billz, i hate bills. |
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chevalrose
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I wouldnt see why you would need to. If they dont have you're name on them, you're not responsible for financial problems. You putting your name on them wouldnt change anything. |
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Redbutter
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You need your name on something including the house. Your married now and it's no longer his and yours. It's ours. Plus if something should ever happen to you what proof do you have that you ever lived there? |
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rockyfella25
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yes he should add your names on some doesn't matter if its all..the reason is sometimes if you are applying for something they want proof of a bill that has your address on it.. |
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lindsey10606
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Yes, because you will not be able to make any changes to the accounts if needed. Also if you would have a problem with one you may not be able to schedule repairs. |
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vanstelp
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If you already have a good credit established I wouldn't worry too much about it. The only time that this would cause an issue is if you tried calling on his behalf to have something changed or a technician come out to the house. If you do not have a good credit history with any of the utility companies I would have your husband add you to them so that you can help raise your credit. If for some reason you ever try getting utilities in your name, some companies like to see that you have had a prior history with other utility companies. If they don't see that history they may charge you a deposit. |
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Patricia Pennington
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My daughter (just newly divorced) and I moved into an apartment. We used my past account to turn on the electric. Her name was not on my bill but due to my poor hearing she conferred with the power company and of course had to identify herself. After two years they added her ex-huspands delinquent bill to my account for payment, altho I never lived with them. Now they say I am responsible for payment because he has his power turned on in his son's name. Why can't they add this to his son's bill? Am I legally bound to pay this bill?. |
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