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How do you stop a spouse from getting credit?

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2006-05-18 23:34:11
2006-05-18 23:34:11

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

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Related Questions


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

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.

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

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

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.

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

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

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

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

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

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 not your spouse is approved. Also, if your spouse does not pay that bill on time or skips a payment, your credit report will be impacted.

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.

Debts of the spouse are considered to have benefited both of them. He can be held responsible for the debts.

Not unless both parties signed the credit agreement etc.

A visa to travel, probably not. A VISA credit card - definitely not.

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

No, a creditor would not issue a card or extend credit on the account of a deceased spouse. The creditor might be willing to issue a card to the surviving spouse based on his or her own financial situation.

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.

Nope.... your debts are YOUR responsibility.

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.

Yes, IF you are confident the spouse will pay. Why not just put the loan in your name??? DONT use credit unless you can afford it.

The spouse is not responsible and should not have this on her credit. But the estate of the deceased will still be responsible for the debt.


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