If you pay off your spouse's debts before you get married would that improve your joint credit rating?
There is no such thing as a joint credit rating or joint credit score. Even when two people apply for credit together, their credit is pulled and scores are provided separately. These two separate reports can be merged into one single credit report, but look closely; you will still see separate scores on each bureau for them.
Having a cosigner has nothing to do with your marital status. It's all about your credit. If you do need a cosigner for lets say a car loan, then it's better to have your spouse sign than ask a relative/friend to sign. Unless your spouses' credit is bad, then you have to look into a person who has good credit. Hope this helps!
In a community property state both spouses are equally responsible for debts. The rest of the states consider only the account holder responsible. A few states have laws referring to debts that are considered necessities being chargeable to both spouses. These laws are vague and seldom enforceable, creditors sometimes cite them in an attempt to get the non-debtor spouses to pay.
You cannot pay the credit rating bureaus to improve your credit rating. However, you can improve your credit rating by paying your bills on time and paying the full required amount due. If you can put additional money towards paying off your mortgage, car loan, student loan or credit cards, this can also help.
Your first step should be to request a free credit report, which you should use to detect any false information that can then be dealt with by contacting your creditors. After that, you need to do everything you can to pay down your balances. See if your creditors will work with you to come up with lower interests and monthly payments, and use a budget to find where you can save money that you can…
A good starting point is to get a secured credit card and a few months later move on to a regular credit card. This way you will GREATLY improve the look of your credit report before your actual regular credit card application. More tips for options on getting credit cards for those of us with bad credit reports can be found at the related links below.
How can you get your name off the credit report if your ex let the joint credit card get charged off and the truck was repossessed?
The divorce is of no consequence. If your spouse and their ex opened joint accounts while they were married, they are jointly liable for those accounts and both credit reports will reflect the history. A divorce never supercedes any other contract. You mentioned that the accounts were "both in other spouses name". If that were true, the accounts would not be on your spouse's credit report in the first place.
Your spouse dies without a will and the collection firm wants to settle for less than is owed how will this affect the surviving spouses' credit?
Is a surviving spouse and sole beneficiary responsible in Manitoba for the Credit card debt of the deceased?
No contacting an experian credit expert will not help you improve your credit unless you have discrepancies on your report. Which would consist of things you have not purchased, or addresses you have not lived at. They can only tell you what is on your credit report the improving need to come from paying off back debts and creating new lines of credit.