Posts Tagged Marriage
How can I get approved now for a credit card or loan?
Posted by admin in Personal Finance on October 16, 2010
TTC baby#1 asked:
When I was 18 I got 7 credit cards and ran them up. (I know crazy right?!). Well I couldn’t pay for them because I ended up moving with my husband to a new town and I couldn’t get a job. Well now I have paid off four of them about to pay off the fifth one this weekend but I still have two left that are over a $1,000 each. (Actually one is less I forgot I paid on that). Well I have been trying to get approved for a personal loan or get a credit card worth the same amount (for plastic surgery). I know people will say I don’t need to put myself back in debt but its something that I really want to do. My marriage could suffer because of my insecurities and so I know it will help me so please don’t try to talk me out of doing it. I just can’t get approved for a loan because my credit score is still low. Two of the cards still haven’t cleared on my credit report. Is there anything I can do to help me get approved better? I need this loan asap before my husband deploys so he can be with me to help me!!!
Ricky
When I was 18 I got 7 credit cards and ran them up. (I know crazy right?!). Well I couldn’t pay for them because I ended up moving with my husband to a new town and I couldn’t get a job. Well now I have paid off four of them about to pay off the fifth one this weekend but I still have two left that are over a $1,000 each. (Actually one is less I forgot I paid on that). Well I have been trying to get approved for a personal loan or get a credit card worth the same amount (for plastic surgery). I know people will say I don’t need to put myself back in debt but its something that I really want to do. My marriage could suffer because of my insecurities and so I know it will help me so please don’t try to talk me out of doing it. I just can’t get approved for a loan because my credit score is still low. Two of the cards still haven’t cleared on my credit report. Is there anything I can do to help me get approved better? I need this loan asap before my husband deploys so he can be with me to help me!!!
Ricky
Why isn’t the mortgage showing up on my credit report?
Posted by admin in Renting & Real Estate on March 26, 2010
chocolate asked:
Several years ago we made a decision to purchase a house in my spouses name only, to get the lowest possible interest rate. Five years later, we refinanced and added my name to the deed only. Two years later, we contacted the mortgage company and asked if I could placed on the loan. We paid a small fee, forwarded a copy of our marriage license and the notarized document (with all of my personal information (ssn, dob, etc.) stating we were tenants by entirety to the assumption department. My name has been added to the mortgage statement, but it has been a year and half and it is still not showing up on my credit report. I noticed that they have pulled my credit report several times and when i call they say it’s done. Not sure what else to do.
SCOTT
Several years ago we made a decision to purchase a house in my spouses name only, to get the lowest possible interest rate. Five years later, we refinanced and added my name to the deed only. Two years later, we contacted the mortgage company and asked if I could placed on the loan. We paid a small fee, forwarded a copy of our marriage license and the notarized document (with all of my personal information (ssn, dob, etc.) stating we were tenants by entirety to the assumption department. My name has been added to the mortgage statement, but it has been a year and half and it is still not showing up on my credit report. I noticed that they have pulled my credit report several times and when i call they say it’s done. Not sure what else to do.
SCOTT
Does marriage effectively tie your credit with your spouse’s?
Gretchen K asked:
Let’s say two people are getting married. They both have good credit, hurray! The wife keeps her maiden name. They have separate checking accounts, credit cards, and have utilities, etc. in separate names. They currently do not own a home together.
Let’s say two people are getting married. They both have good credit, hurray! The wife keeps her maiden name. They have separate checking accounts, credit cards, and have utilities, etc. in separate names. They currently do not own a home together.
From here on out, are their credit histories totally tied? If someone runs a credit check on her, does it also bring up his credit report? Or are the two credit reports meshed into one?
And what happens if one of them starts to run up credit card debt? If the husband does this in his name with his own card, will his debt also affect the wife’s personal credit rating?
ASHLEY