No, spendings of debit cards aren't reported to credit reporting agencies. However it's possible to have a secured credit card(backed by a savings account) and build credit with that.
No
Your credit standing alone won't affect your spouse's credit. The only way your spouse's credit would be affected along with yours is if you jointly hold accounts and then fail to pay them.
Usually no--the lender goes by the lowest credit rather then the higher. So----if you are applying and your credit is better and you can apply alone--DO IT! Then work on the other person's credit to improve it for the next time.
Both. Sometimes loan apps are filtered out based on score alone, but a lender will look at the actual credit report for any borrower under consideration.
This debt will appear on your credit report as a joint debt. It will bare just as much weight on your credit report as if it were in your name alone.
Yes. Your length of credit history alone can affect your credit score. Yes. A drop in your credit score does not indicate anything illegal.
Yes, an apartment complex can refuse to rent an apartment to you if you have bad credit. A bankruptcy alone will not stop you from being approved or disapproved from an apartment, they will consider your overall credit score and credit history.
No
Your credit standing alone won't affect your spouse's credit. The only way your spouse's credit would be affected along with yours is if you jointly hold accounts and then fail to pay them.
Usually no--the lender goes by the lowest credit rather then the higher. So----if you are applying and your credit is better and you can apply alone--DO IT! Then work on the other person's credit to improve it for the next time.
Both. Sometimes loan apps are filtered out based on score alone, but a lender will look at the actual credit report for any borrower under consideration.
This debt will appear on your credit report as a joint debt. It will bare just as much weight on your credit report as if it were in your name alone.
Yes, as long as she can qualify. In fact, a woman shouldestablish her own credit record. You can read more about women and credit at the related link.
Each time you apply for credit it is noted by the credit bureau. Just applying alone will not have any significant effect on your overall score. However, if you have applied several times in a short period anyone thinking of extending you credit will be a bit spooked by that. For the most part your score is determined by how ell you pay your bills and how well you manage whatever credit you do have. For instance if you carry large balances on you credit card , close to being maxed out, your credit score will be less.
To answer your question: No, the credit of one spouse will not effect the credit of the other in any way. The only time the credit of one spouse will effect that of the other is when both open a joint loan, or joint credit account, in which case those specific accounts will be reported to both of your credit histories. That's it! :o) Hope this answers your question. the last answer is correct. I would just like to add that as a stay at home mother with a husband with bad credit, I am severly affected. His bad credit is 6-10 years old, my credit is immaculate. We can not get a car or a house on credit, we have to pay cash for everything. we can not use my "perfect" credit because I do not work. We can not get approved jointly, and he can not get approved alone because of his horrible credit(even though he makes more than 100,000 a year). If you marry into bad credit it does not affect your score, but it may affect your life.
'Fraid not. The air-cushion vehicle has a long history, but it as not until after WW2 that Cockroft developed a practical, commercial version. But it would be wrong to credit him alone for this vehicle.
Your personal credit will not be affected if your spouse files bankruptcy alone. Be careful though in future transactions if you apply jointly for credit later... it will show up there.