my husband has some of the company own them some money, but he did use those amounts to bought those thing, therefor those money(credit)is under my husband SS#. so what should i do to solve those credit problem. Do i need to pay off those debt(his never done it) to make his credit back to normal.
199119
if witch ever credit card was racked up was under your name also than it can result you in bad credit
4755
Credit counselors probably would help.\n\nYou might find the book below to be useful.\n\nNow is the time to straighten out your problem before it becomes overwhelming!!
463139
Yes, if you open any joint accounts. Until he can build his credit, use your credit however he can directly participate by giving him limited power to help bring up your husband's credit report. Then once that is established, please just understand why he had bad credit to begin with before you consider any joint accounts. This does not mean you love him any less.\nAny major purchases like a car, house etc. should only be in your name and they cannot be touched by his credit rating whether you are married or not!
177914
Pretty good question.  You might consider this as well, if you have a long (inactive) debt on your record, there may be a line item on your credit report from that company as well indicating that you defaulted.  The ammount may not have been worth their effort to try to collect, but that entry on the credit report may also have an effect on your credit score.  On the other side, it may not be worth your effort to pay the back debt and get the company to resolve the credit issue.  On a third side, you should always pay off your debt as soon as possible just because it is the right thing to due.\n\nRomans 13:8 - Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law.
157346
Been there-the law states the debt incurred while still married is both of your responsibilities'.  The only thing you can do is to send in the details to the credit bureaus, and ask them to take the negative off of YOUR SS# record.\nRepeatedly.  You need to get the documentation from the loan company to show you did not apply nor sign the application for the loan.\n\nTHEN, go to Small Claims Court, and try to get the amount assigned to you to be paid.  Include that paperwork with the info you are sending to the credit bureau.
516727
Try this.\n\nWhen you call these companies, tell them that you want IN WRITING a guarantee that they will raise your credit score and remove bad items from your credit report once the bills are paid.  \n\nAnd that they won't take any money unless these things are accomplished.\n\nYou won't find anyone who will agree to this.  Why?  Because they can't possibly promise such a thing.\n\nThere are only two ways to get a negative item removed from your credit history.\n\n1) The creditor must delete it\n2) The creditor fails to respond to an investigation request from the credit bureau.\n\nNote that payment of a bill does NOT remove the item.  It only changes the status from being late or in collections, to paid.  But it still reflects late payments or collections.  It's still a negative item.\n\nThese "credit repair" companies will TRY to negotiate a payment arrangement that will TRY to remove the negative items.  But there are no guarantees.  \n\nBut it is a guarantee that these companies will demand payment for their services, whether they succeed or not.\n\nBefore you go this route, do your research.  Many of the things that these companies do, you can easily do yourself.  \n\nAlso note that many of these "credit consoler" or "credit repair" companies are a front for companies offering consolidation loans or other such services.  Be aware of what's going on!
63711
The only time your credit will affect his is if you both want to buy something together on credit. If you apply for any loans or cards, your two credits will be added together and divided in two to see what the mean is.\n\nAll debits owed by either are still just that, owed by the one incurring them. Any debits incurred jointly after marriage are both parties responsibility.\n\nI run credit for people buying homes. I know what I have stated here to be true in CA because we have an office there.
260730
Well consider this when you settle an account it is shown as a "settlement" on your credit.  So this will affect your score.  Certainly better than a default, but not as good as "paid in full".\n\nI would call the companies and negotiate.  Come in low... let them come in with a higher $ amount.... then agree to their $ amount under the condition that it is reported as paid in full vs. settlement to your creditors.\n\nGET IT IN WRITING!!!! \n\nThen pay it.\n\nWe did this with one card, paid a settlement and then they still tried to collect the balance!  It was a HUGE mess to show that we did our part.\n\nSo make sure you get it in writing and make sure you pay it ASAP!  The faster you can pay it the better.
48970
Loan consolidation is the KEY! But to do this I'd first research some of these credit-repair companies with a nationally certified rating service. Pick a well rated company and get busy. Also if you own any security instruments you can sell them for quick cash.
15024
Marrying him is not going to lessen your credit score. However, get him to work on his credit as well, because from the moment you say "I Do," you share credit. You will have to both sign for cars, houses, etc. There is no "single" application once you're married. Smart move to think about this BEFORE you get married...most people don't even consider asking their partners about their credit history. It is wise of you to work on this issue first! Bravo!
68887
You are actually asking two questions, one related to your credit report and it's effect on your husband, and your liability on your old debts.\n\nThey will still be able to come after you and garnish your wages (NOT your husbands).  So if you have a job you are still in hot water.\n\nIf there is any property in your name only they can go after that.  Property jointly owned or pruchased after you marry can't be touched.  So if you have a car currently in your name, or a home, it can have a lien placed on it.\n\nWhen the collectors find out your new address, they will continue to hound you.  That's easy to solve....read the links I've supplied below and send them a "Cease and Desist" order not to contact you again.\n\nNow the good news.\n\nYour new husband does not inherrit your credit "baggage" once you are married.  Each of you have your own credit history, and unless you make joint purchases it will not effect him at all.\n\nYour husband's good credit can actually help you rebuild your own credit.  He can co-sign on some credit for you, and by making prompt payments you can re-establish yourself. \n\nI'm speaking from first hand experience here.....\n\nWhen my wife got divorced, her ex was supposed to pay a portion of the debts.  He didn't, so the collectors starting calling her up.  They started threatening her, even saying they was going to jail if she didn't pay.  She was so afraid she fled from Florida and came to Michigan, where her family lived.\n\nThen we got married....and the creditors got here new address.  I came home from work and found her crying and scared to death!  She got a collection notice in the mail!\n\nThen she got mad cause I was laughing!\n\nYou see.....what these guys didn't know was....I WAS ARMED!  I knew the law!  And now I was pissed!  In a very short time I had these guys off her case, no more calls or letters. \n\nIn a couple years her credit was spotless, she purchased her own car and had 2 credit cards.  \n\nYou need to just live off your husband's credit for a while.  You are in good shape, everything will work out fine.\n\nJust get ARMED!  Read the links below.
50593
If htey gave you the house and you are paying the notes, do you have a ocntract with them?  Has it been transferred to your name?  These are things you need to check out.  Sounds like they still own the house, and if so I would take my 842.00 and go elsewhere to live or have to put up with controlling in-laws and a nosey sister-in-law.
537083
There is one an only way to get your money or part of it back. In a very innocent way ask him to sell to you something valuable he owns, like a laptop or TV set. Tell him that you need this item and that you would pay him in a few days, (it is incredible but this kind of people almost always believe that) and do not pay him until he pays you.  I had done it many, times and believe me, it works.
303669
I am a mortgage specialist.  I specialize in helping people with challenging credit.  What are you calling "very bad credit?"  What are your credit scores?  The payments that you are currently making on the mortgage are not being applied to your credit file because your name is not on the mortgage.  If you are making the payments on time, then you are giving your husband's sister good credit because the payments are being applied and recorded on her credit bureau.  This situation is too complex for us to discuss here.  Please contact me at wwi_2@yahoo.com as soon as possible.
172335
Ignore the other answers, they are wrong.\n\nYour credit rating does NOT combine once you get married.  Each of you have your own credit rating.\n\nIt will effect you if the house or other property is in his name.  Creditors can go after his wages, or attach to his property if it's in his name ONLY.  If your name is on it, they can not touch it (check your local state laws to be sure).  Were I live, if it's his debt, they can't go after jointly owned property.\n\nAnd you must be awfully rich of $25,000 isn't much debt!  Many consider that amount the starting point to consider filing for bankruptcy.
671632
Call your credit card company and discuss this with them.  Can't hurt to ask.
1520
I think that you could just notify the bank/cc company of your interest, after all, I hear that they have even sent credit card offers to dogs, babies and dead people.  \n     Getting the credit isn't the problem, paying it off and not becoming a slave to it is!  Been there, done that, and never again! Been three years debt FREE!!!\n CASH is King, debt is dumb and the paid off home mortage is the NEW status symbol of wealth!!!!