my husband is bad credit, does his credit result will make my credit bad too or not.?
443510
if witch ever credit card was racked up was under your name also than it can result you in bad credit
458443
If you check your own credit it has absolutely no affect on your credit score at all. If you apply for a loan or new credit card once in awhile (say once every 6 months or so) that shouldn't affect your score either. Its when you apply for too much at one time that it hurts your FICO score. It makes you look like a risk. (That you might take out too much in credit cards or other unsecured debt)
232812
Yes, it might interfere, but not necessarily. You will most likely get a chance to explain a bad credit history.
1096802
it depends on your credit and sometimes your purchases. is there a particular place you enjoy shopping. take that into consideration. also ask your bank manager to help you. they are the professionals
458379
Yes and no. If you have declared bankruptcy, 10 years. Non-payment and late payments...2-7 years. There is a reason people get bad credit...unless you change your ways, you will just keep on adding to the pile. 7 years is a very long time. Start today to clean it up, or nothing will have changed in 7 years. Good luck
303968
Your credit can be affected by just about anything, from Utility bills, cell bills.....all kinds of things.  Anytime you have something you pay on, monthly, bi-monthly, if it's paid late that company can report it to the credit agencies.  Also no credit can sometimes be just as bad as bad credit.  So have him do some research.  Did he pay his water, gas or electric bill late, order anything from a catalog and pay late or not at all......has he paid his cell bill late, get any speeding and/or parking tickets that weren't paid on time?  Even over drawing a checking or savings account can show up.
85304
Well, more than 75% of the people throughout the country do carry bad credit and all of them get the loan from somewhere or the other so there is no reason why you can't. I'm a loan officer myself and has helped many.....give me a call if you like and i may be able to help you out.
314370
Then you need to call the Mortgage Servicing department for your Mortgage Lender.  You DON'T want that to negatively affect your credit!!!!!!!
762867
Yes it will keep your fico score down as long as they continue to report it every month.\nYes its possible you can get a new credit card but the rates will be higher.http://www.hsbcusa.com/personal/credit_cards/orchard_mastercard_product_info.html\n4.You can try to wait them out and it will get a little better but your score will stay low as long as they report on you even if you have good accounts.\nTo be honest its no way to beat the system you have to pay your debts or your credit will be bad and you will have a low fico score.\nI just went through the whole thing, I only had one bad account a credit card charge off. All of my other bills were in good standing but I saw my score drop to 558. I waited and disputed the original creditors and got them removed. The collection agency that bought the account started to report as my score increased back up to 640 the collection agency would report it as late derogatory, charge off. I was back down to the 550 range. You have to be careful because if the balance is high enough they will sue you in court and possibly garnish your wages and enter a judgment on your credit report. It was a headache for me so finally I just settled the debt and disputed it off my credit report. Good Luck! and here is a link that may help you find some information on disputes and debt validation etc.\n\nhttp://credit-repair-basics.credit-repair-forums.com/
886122
No.  Most of those websites are scams.  They take your money and do nothing for you.  The reality is that noone can fix your bad credit except you.\n\nThe few websites that do help with this still have you do the work, they just provide you with the info.  Below is some info on how you can fix it yourself.\n\nFirst off, request your credit report (you can do it for free on the link below).\n\nOnce you go through your report, highlight those accounts that are bad.  Do any of those not belong to you?  Contact the credit report company and ask them to remove it from your credit as it does not belong to you.  Those that belong to you should be isolated into two categories:  Those you can pay off, and those you can't.  Contact those you can pay off and let them know that you will pay them off.  Ask them who to send the payment to, and ask that they remove the negative report since you will be paying them off.  Tell them you will not pay them unless they agree to remove the negative report.  They will.\n\nNow comes the hard part. Contact each and everyone of the bad reports that you can't pay off and negotiate with them to see if they would be willing to take a partial payment for the whole sum.  Let them know that things have been difficult and that you are considering bankrupcy, but that you would like to settle your debts with them before that happens.  As before, ask them to remove the bad report as a condition of paying them.  Most companies will take a partial payment over no payment.  This takes finesse and persuasion.  Always ask for a supervisor when you call as they have the authority to negotiate an account.\n\nLastly, guard your credit.  Get a secured credit card through your bank and make a very small purchase each month and pay it off each month.  A history of purchases and timely payments will improve your credit over time.  There are no quick fixes, so beware those who offer them.\n\nBest of luck.
814475
I can save you the money by giving my answers to his questions:\n\n    * A dirty little trick that credit card companies use to lower your credit score to keep their competitors away from you; learn if you're a victim of this, including how to fix it.\n\nThis trick is cards like CapitalOne don't report your credit limit, only your high balance.  This can make your utilization appear higher.  To see if you are a victim of this look at your credit report and verify that the reported credit limits match your actual credit limits.  Fix it by either getting rid of those cards or disputing the information with the credit bureau.\n\n    * Which errors on a credit report are a waste of time to fix and which are a high priority (helping you to raise your score by 5, 10, 15, 20 points at a time).\n\nBad advice, if you see an error go ahead and get it fixed.  The low priority items are inquiries greater than 6 months ago and pretty much any incorrect but positive item.  Negative items are obvious, late pays, etc.\n\n    * How to build credit (if you have none) and rebuild credit if you've gone through a divorce, bankruptcy, or other major delinquency.\n\nSmall secured bank loan, secured credit card, small car loan.  Make sure they report.  \n\n    * Why you should NOT become a cash-only citizen; at the same time, learn how to keep credit active without putting yourself into debt.\n\nCredit is handy, no reason no to keep some credit cards around, no need to do more than place an occassional charge on them to keep them active.  No need to ever pay interest.\n\n    * How paying collections can HURT your credit score.\n\nIt re-ages your account.\n\n    * How to prepare for a loan by improving your credit score.\n\nReduce utilization (either increase limits or pay down cards), age off inquiries (more than 6 months and they don't matter).  Dispute off negative items.\n\n    * How to maintain a high credit score for the rest of your life!\n\nPay your bills.
630302
NO and I have checked a variety of sources. It is hard to tell the good from the bad in credit counseling.\n\nBefore using any credit counseling services become informed. Use FTC consumer information. Also, you can go to an office supply store and find credit repair kits that you can use yourself.
1076173
If the account is in his name linked to his ssn & you just have privleges-then I think that all goes to him.\n\nIf the account is an actually JOINT account in both of your names & ssn then the credit history will go to both.
587320
Negative. Your credit reports remain two seperate entities when you are married. Reports do not transfer until you both have your names signed on a debt, like a home or a car.
173795
You are actually asking two questions, one related to your credit report and it's effect on your husband, and your liability on your old debts.\n\nThey will still be able to come after you and garnish your wages (NOT your husbands).  So if you have a job you are still in hot water.\n\nIf there is any property in your name only they can go after that.  Property jointly owned or pruchased after you marry can't be touched.  So if you have a car currently in your name, or a home, it can have a lien placed on it.\n\nWhen the collectors find out your new address, they will continue to hound you.  That's easy to solve....read the links I've supplied below and send them a "Cease and Desist" order not to contact you again.\n\nNow the good news.\n\nYour new husband does not inherrit your credit "baggage" once you are married.  Each of you have your own credit history, and unless you make joint purchases it will not effect him at all.\n\nYour husband's good credit can actually help you rebuild your own credit.  He can co-sign on some credit for you, and by making prompt payments you can re-establish yourself. \n\nI'm speaking from first hand experience here.....\n\nWhen my wife got divorced, her ex was supposed to pay a portion of the debts.  He didn't, so the collectors starting calling her up.  They started threatening her, even saying they was going to jail if she didn't pay.  She was so afraid she fled from Florida and came to Michigan, where her family lived.\n\nThen we got married....and the creditors got here new address.  I came home from work and found her crying and scared to death!  She got a collection notice in the mail!\n\nThen she got mad cause I was laughing!\n\nYou see.....what these guys didn't know was....I WAS ARMED!  I knew the law!  And now I was pissed!  In a very short time I had these guys off her case, no more calls or letters. \n\nIn a couple years her credit was spotless, she purchased her own car and had 2 credit cards.  \n\nYou need to just live off your husband's credit for a while.  You are in good shape, everything will work out fine.\n\nJust get ARMED!  Read the links below.
990802
As a former financial counselor, your question was a very common one. The only advice I used to give was that if you have bad credit, then chances are trying to get a new loan probably isn't the best idea. You should be trying to repair your credit. Getting additional debt would only affect your score negatively. Besides, lenders who sense desperate people with bad credit, will alot of times take advantage of the situation and grant you a loan with VERY high interest rates. Bad credit loans and cash advance loans are the same thing. I would do it the old fashioned way and save up. It takes longer, but you always want to look at the long term benefits, not short term.
484349
If your husband has a steady job and your previous credit is fairly good, then you might want to try one of the credit companies like Capitol One for instance or HBC.  The interest rates are huge but they can usually find a way to put all the different debts together and spread it out over 25 more years to keep the payments low.  This was an option I took a a number of years ago during a renovation that went bad. Hopefully you can sell the house when completed if the amount you sell the house for is more than the debt and start fresh, getting rid of the high interest debt. It sucks to sell what you have worked so hard for but it is just a house.  The credit companies will sometimes let you pay the total debt without penalty if you sell the home and then you haven't paid much high interest anyways.  I understand the devastation and hopelessness of being in what seems to feel like an out of control situation.  You have to believe that life can get better just as quick as it went wrong.  If your only option is bankruptcy, so be it,  do what you have to do to make a stable home for your kids.  Just take control of the situation, get a few opinions and start sleeping again.  Banks run like sissies when you need help yet they are the first in line to bankrupt you in the first place.  There are reputable companies around to help people like yourselves in this tight spot.