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That is the decision of a lender not the spouse who wishes to prevent the action.

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โˆ™ 2006-05-18 23:34:11
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Q: How do you stop a spouse from getting credit?
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Does your spouse's credit score matter when getting a mortgage?

If your spouse is going to be on the loan, then yes it does matter.


How do you stop getting wap messages on 02 samsung?

How can i stop getting messages from wap o2 saying im out of credit


If you have bad credit will it affect the credit score of your spouse?

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.


Can a spouse with good credit cosign a student loan for their spouse with bad credit?

That is decided by the LENDER.


If your spouse co-signs for someone will it affect your credit too?

No, your credit rating is separate from your spouse. If he or she cosigns it will only effect his or her credit rating.


Should you get a joint car loan if one spouse has better credit?

It depends on how bad the credit of the other spouse is. If their credit isn't at least decent, getting a joint loan will be based upon the FICO scores of both parties. You won't get to choose the higher score in order to get a good rate. So, it would be best to get separate financing until the spouse with the poor score improves their credit.


Does wife credit card affect husband?

If a spouse has a credit card in their own name & the other spouse isn't listed on it, bad credit won't affect the second spouse. But, if you both apply for a loan or other credit - the credit bureau will check both parties credit reports.


If your spouse has a judgment against them can it also be filed in the other spouse's credit report?

If the judgment names only one spouse as the judgment debtor it will not be entered on the non judgment spouse's credit report.


How can a spouse stop another spouse from using one's identity?

I would contact the credit bureaus and file a fraud alert to each of spouse credit report. (IF you file fraud alert with experian or equifax etc, they will add the alerts to all 3 credit reports). The only thing you can't do is file a police report since your spouse is protected from being criminally charged since you are legally married to your spouse and you are required to monitor your identity if your spouse steals it. Certain states do allow spouses to file criminal charges so please contact your Attorney General about possibility of filing criminal charges. 95% of the time the AG will not bother filing charges since you are legally married to your spouse and you are obligated to prevent him from using your identity to establish credit without your consent. Source: I Filed for divorce and tried to file criminal charges against my wife for using my identity to get credit cards but she obtained the credit cards while being married and not being separated which I end up taking the loss for it. You guys need to study Spouse Protection and how it works if your spouse steals your identity. This is why you want to monitor your credit reports no matter how much you trust your spouse. If the identity theft took place during a legal separation or after filing for divorce then you can file a police report and block the inquiries and credit accounts on your credit report and also being able to press criminal charges against your spouse. Reminder: Please put that fraud alert on all credit reports ASAP to stop the damage of your spouse is going to do to your credit if your spouse is living with you at this moment.


Will your spouse's credit score be affected if your individually owned property is foreclosed spouse's name is not on the deed?

Your spouse's credit score should not be affected if he/she is not on the deed or on the mortgage that was foreclosed.


How can credit help to stop poverty?

It can't. Getting into debt will not help poverty


How do I stop verbally abusing my spouse?

You can stop verbally abusing your spouse by appreciating her role in the family.


Will having a credit card with a high limit affect your ability to get a loan?

if you obtain a credit card with a high limit it will not affect your credit as long as the card is in good standings .. however if the card is maxed out it could affect your credit score wich will intern stop you from getting a loan. although it may not stop you from getting your loan but it will affect your interst rates


Is the spouse of a deceased credit card holder responsible for his debt if the spouse was not on the card in Indiana?

No.


Who is responsible for your spouse's credit card debt?

depending on who was using the card, that's who's fault it would be... I'm going to assume since it was your spouse's credit card, that your spouse is then responsible for it.


How much credit card debt should I transfer to my spouse to improve both of our credit scores?

none. how does putting your spouse in your debt help their score?


How do you check your spouse' credit without them knowing?

You can do it online with one of the credit companies.


Will the surviving spouse's credit rating be affected by the repossession of the deceased spouse's car?

AnswerIf the surviving spouse was not a joint borrower on the vehicle loan the repossession affect/appear on their credit report.


Will a spouse's bad credit affect your credit in a community property state?

Yes. If you are married and your spouse has bad credit, you inherit that bad credit and depending on the state, you can inherit half the debt if you divorce. * No, debts incurred before marriage do not affect a new spouse's credit report even in CP states. Problems could arise however, if the couple apply for a joint line of credit such as a mortgage.


Who is responsible for Spouse credit card after death?

The estate of the credit card holder. If the surviving spouse was an approved user, or co-signee they would also be responsible.


If you live in Michigan and your spouse dies who pays the credit card bill if it was not a joint account?

Would i have to pay for my spouse's credit bills in the state of Michigan if he died


Does filing a prenuptial agreement keep one spouse's bad credit from attaching to the other spouse?

A prenuptial agreement does not have any bearing on whether credit will be affected.


In New Jersey is a surviving spouse responsible for a deceased spouse's credit card debt if their name is not on the account nor has she used the credit card?

No, New Jersey is not a community property state, therefore the surviving spouse is not responsible for debts that were solely incurred by a deceased spouse.


In Texas is a spouse responsible for credit card debt that is solely incurred by the other spouse under a credit card which was issued prior to the marriage?

Yes. STATED BY AUTHOR


Does your credit report show if your married?

If you filled out any applications for credit and said you were married -or- if you have any joint credit with your spouse, it will be on your credit report.

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