How will my credit affect my future wife's credit?
339953
Call a random mortgage company and ask them this question.
96477
No it doesn't. My wife filed for just the things in her name only. It didn't affect mine at all. Just remember that for a while, if you open new loans or buy a car or whatever, you'll have to do it in just the one person's name. However, you can still use both people's income to get the loan.
1170570
Yes n if that person don't pay they WILL come after you for the money and it will ding up your credit if they are making no or late payments!  Think long and hard before you ever co-sign no matter WHO it is!
702128
yes, it will. i have just as many positive things on my credit as i do medical bills, and no one will give me a thing. old navy won't even give me a credit card, because of them.
792880
A 683 score is pretty good. If all of her cards are always paid on time and not maxed out, then it would be a good thing for you to go on as an Co-Applicant, not authorized user. Her good credit will help improve your credit. It is a good way to raise your credit score. As far as paying them off, that is fine, but I wouldn't close them out. Also, you should keep some accounts open so you can keep a ongoing payment history showing. Paying off cards and closing the accounts isn't as good for your credit as you might think. Creditors like to see recent credit history. Just keep  a couple of credit cards at around half of the high credit limit and pay them on time every month and that will keep your credit looking good.
250326
Typically raising your score by 10 points will not affect your scores enough to change your interest rates unless you know you are 10 points or less below the next credit tier(an auto loan example)\n\nI paid off my Macy's card last month and it was less than 50% utilized(I had a balance less than 50% of my credit line) and it only raised my FICO score(Equifax) by 12 points. I actually thought it would raise my score more since this was the only credit card I had that had a balance. \n\nGo figure, that's why credit scoring doesn't always make sense.\n\nGood Luck
913330
Your credit can change minute by minute.  It all depends on when companies that you have accounts with report to the bureaus.  When the companies report, it changes not only your payment status, but outstanding balance in comparison to high credit limit, # of months reported, and how long the account has been opened,etc and all these will affect your credit score.\n\nAlso not all companies report monthly when you are in good standing, they may report less often, so that good history my not show as soon as payments are made.
503924
It can vary but usually between 0-12 points depending on what is in your credit files, how many recent inquiries and the type of inquiry. \n\nThere is no fixed number for each inquiry, it is all calculated by the FICO scoring model against what is in your credit files at that time.\n\nGood Luck
243809
Yes it does indirectly. If you two want to buy a home than it could only go into his name. Likewise for anything else. Your best bet is to start cleaning up your credit...K
125935
I don't think it will affect their credit rating at all.  It might affect yours though, if that person runs up a big bill and deosn't pay it and you are left holding the bag.  Unless it is a close family member and one you really trust I'd be careful.
681084
when u apply for credit as a couple they use the highest credit score to determine if u get the credit and how much...she doesn't have to work as long as ur household income is over the minimum for what u are applying for.
328769
It really depends. Your husband won't take on your poor credit per say, however, it may affect your borrowing capabilities. For instance, when you go to buy a house or a car, and if BOTH of you plan to purchase these items together, it may have an adverse affect on the credit scores used, and whether or not you ultimately get the financing you're seeking. I might also suggest you have him manage the finances in the family? Also, when a home, or a car IS financed by BOTH of you, as long as payments are made on time, it can help with boosting your own credit history.
629536
Your credit will be effected.  Read Jess's answer, she is correct.\n\nYour credit score is made up of several parts.  The major portion is related to your debt/credit ratio, and your credit history.\n\nWhen you cancel an old credit card, you lose in several ways.  Note that your credit score will eventually recover in a few months, so if you are not making any major credit purchases soon it will not have that drastic an effect.  But never cancel more then 1 every 3 months.\n\n1)  You lose the credit history from having a good payment record on the card.  This alone will cost you at least 15-20 points on your score.  Many young people had difficulty in getting a loan because of this reason.  It's recommended that you get your teen a credit card, so by the time they are 20 they will have several years established on their record.  Credit history is MAJOR!\n\n2)  Your debt/credit ratio suffers.  Lets say you have 3 cards, with a total of $10,000 credit limit.  You have a total balance of $1,000 on these cards.  Your debt/credit ratio is 10%, which is excellent!\n\nNow lets cancel that paid off credit card with a $5000 credit limit.  You now have only $5,000 in credit, but you still have that $1,000 debt.  Your new debt/credit ratio is now 20%.  It's ok, but you have now doubled your ratio, and this will effect your credit score.\n\nFor more information, visit http://www.myfico.com\nThis is the home of the folks who developed the FICO scoring system.  They have lots of info, tutorials, and advice on how to improve your credit score.
888638
It shouldn't affect it as long as you are shown as being "current" on the card payments. Credit reports and ratings are more to point out high risk people rather than keep tabs on whether a card is active or not.
26275
Your credit is a separate issue from section 8.  If you pay your bills properly, your credit will reflect that.
437342
That depends on the credit card!
653128
If they dont report the information to the credit bureaus it does not affect your credit.  Going 7 dollars over does not effect your credit if paid within the 30 day period