How do you stop a spouse from getting credit?
That is the decision of a lender not the spouse who wishes to prevent the action.
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.
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…
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
No. When you get married, your credit reports are the same as they were when you were single. The actions you take WHILE married, however, may influence your credit score. In States that are considered "Community Property" or "Marital Property" (there are nine in the US), the spouse must always be included on any new loans. Accordingly, if your spouse decides to apply for credit, your credit score will be a component of whether or…
You keep getting turned down for credit your score is 627 what can you do to be able to get aproved for credit.?
Stop applying for credit! Score is not the only factor. Work on paying the bills you have and try not to apply for anything for about a year. If you have judgements, etc. and not a lot of credit history, try getting a secured credit card (only apply for one!) and building it up. Sometimes you just have to wait it out.
If your spouse has a judgment against them can it also be filed in the other spouse's credit report?
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?
If surviving spouse is insolvent is she responsible for credit card debt in Arizona a communty property state if her name was not on credit card and she never used credit card?
Is a surviving spouse responsible in Oklahoma for Credit card debt of the deceased spouse if the living spouse never signed and document?
Is a wife who is not a joint account holder responsible for her husband's credit card debt in Illinois?
According to the Equal Opportunity Credit Act, your disability will not stop you from getting a credit card. If you have stopped working as a result, however, the lack of enough income may prevent you from getting a credit card. If you have verifiable income from other sources (e.g., investments, alimony, etc.), you may incorporate that income into the total and may qualify for the card.
In the state of Georgia if the Survivig spouse is not a user on a credit card will the surviving spouse need to pay the debt?
If a spouse dies and had unknown individual unsecured credit debt is the surviving spouse responsible for paying these credit cards or medical bills?
In most cases a card holding spouse can add the other as an "authorized user" without permission, however those types of cards are not liable for repayment of the balance, even on transactions preformed on their card. It is not legal for one spouse to add the other on any credit applications has a "co-signer" without that persons permission. However, the liability would not be in the hands of the credit card company, since if…