Pay off your debts or wait til they fall off your report (it should say how long they will remain on there). Then get a credit card and pay it off in full each month. That will make your credit improve dramatically.
No, only the owner and authorized users of the credit card will be reported on the credit card company to the credit agencies. If your husband is an authorized user on the credit card then it will show up on his credit report.
In a word, yes.
If it does report it will show that you are just an authorized user, most cards don't even report authorized users anymore.
It negatively affects both the primary and the authorized user credit score and report.
No, if the wife is not an authorized user on the credit card then it does not affect the wife's credit report. So the late payment will only be on the husband credit report.
if you are an authorized user on the card then you are responsible for the card too. so yes they can
No, only the owner and authorized users of the credit card will be reported on the credit card company to the credit agencies. If your husband is an authorized user on the credit card then it will show up on his credit report.
In a word, yes.
AnnualCreditReport.com is the only authorized site to receive your free credit report under US law.
If the credit pulls were not authorized, write a letter to each of the bureaus that are reporting the inquiries, and let them know that they were not authorized. Legally, they should remove this information from your credit report if it is inaccurately reporting. If you did authorize the credit pulls, then this information will likely stay on your credit report for 1-3 years.
If it does report it will show that you are just an authorized user, most cards don't even report authorized users anymore.
It negatively affects both the primary and the authorized user credit score and report.
No, if the wife is not an authorized user on the credit card then it does not affect the wife's credit report. So the late payment will only be on the husband credit report.
Being an authorized user no longer has an impact on your credit score like it used to. In the past, you were able to be added as an authorized user on a credit card, and all of the credit history and credit limit would be reported on your credit report as if it was your credit effectively obtaining unearned credit for the authorized individual. A few years ago the credit reporting industry changed, and no longer recognize an authorized user as credit responsible and therefore it has little to no impact on your credit score. If you would like to obtain credit from this card, contact the card issuer and request to be added as a joint user. If you are jointly responsible for the credit, it will report to the bureaus and impact your score. Approval is still required, but it is typically easier to be approved when you are already and authorized user on a card.
by sucking my balls
if you are joint or even an authorized user on the accts they will show on your report also---only on hers if individual accts and you are not tied to them in any way
If there is an error in your credit report, you must contact the particular Credit Reporting Agency that issued the report and provide them with correct information, in writing and, if possible, with supporting documentation.