If your spouse is going to be on the loan, then yes it does matter.
How can i stop getting messages from wap o2 saying im out of credit
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.
That is decided by the LENDER.
No, your credit rating is separate from your spouse. If he or she cosigns it will only effect his or her credit rating.
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.
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 the judgment names only one spouse as the judgment debtor it will not be entered on the non judgment spouse's credit report.
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.
Your spouse's credit score should not be affected if he/she is not on the deed or on the mortgage that was foreclosed.
It can't. Getting into debt will not help poverty
You can stop verbally abusing your spouse by appreciating her role in the family.
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
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.
none. how does putting your spouse in your debt help their score?
You can do it online with one of the credit companies.
AnswerIf the surviving spouse was not a joint borrower on the vehicle loan the repossession affect/appear on their credit report.
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.
The estate of the credit card holder. If the surviving spouse was an approved user, or co-signee they would also be responsible.
Would i have to pay for my spouse's credit bills in the state of Michigan if he died
A prenuptial agreement does not have any bearing on whether credit will be affected.
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.
Yes. STATED BY AUTHOR
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.