does having joint utilities with a person who has bad credit affect my credit?
822105
Not as long as the utilities are paid on time.
816391
If it's in your name and she doesn't pay, it will affect your credit negatively.
950966
Just call and ask them. They usually asked me if I wanted to add a joint user to mine, so there shouldn't be any reason why you can't. Best of luck!
861686
Tell her to go to rent a center they let you do payments. It also goes torwds ur credit. Going to a store that lets you make payments like Aarons, rentway, rent a center stores like this everytime you make a payment on time it goes towrds good credit this is the eisest way. Or you can go to a banck open accont and apply for a secure credit card with ur back that will all so help. Really just look aronund there is all sorts a ways. I established credit with rent a center my friend a credit card threw his back we were both 18 at the time now neither one of us has a problem getting anything im buying my own house in january. Im only 21!
1060522
No.  They are not related.  Certainly having money in the bank helps your ability to borrow. But it doesn't affect your FICO score. Lenders look at credit history, income/employment and cash on hand as the primary factors in a lending decision.
1097861
Yep, everybody everywhere.  Your attorney will send them a claim form, and if they return it they are added to your bankruptcy.  If you are filing 13, there is priority on who gets paid first, and the utilities may not get paid in the life of your bankruptcy.\n\nAs far as the utilities charging you what's on your bankruptcy, I'm not so sure that's true.  If a utility tells you that you have an old account, you tell them that it is included in your bankruptcy and they will start you a new account with a zero balance.
632214
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.
666713
Your income plays a part in this as well.  If they feel you don't make enough to handle the mortgage, plus the utilities, plus property taxes, plus homeowners insurance, plus your outstanding loan.  If I were you I would pull my credit report & make sure there was nothing showing that wasn't mine.  Also, the county or state may have some 1st time homebuyer programs available.
580779
YES.\nI owned a home with my ex and I had to refinance and he had to sign a "Quit Claim Deed" which basically allowed me to re-finance without him.  If you do not refinance, then your current lender still thinks you both owe them regardless of your marital status.
774884
Not unless you are applying for a joint loan or are a co-signer.
1133903
I would not worry about it.  All a credit score does is say how in debt you are.  People with good credit scores are just as bad off as people with bad scores.  My goal is to have no record on file, this will mean that I wont owe anyone.
918534
Not unless he wants to.\n\nChances are since you are responsible for the heating bill he won't. On the other hand if utilities were included he might consider since it would come out of his pocket.\n\nAll you can do is ask. Maybe you should look around for something more economical.
914823
They are not going to report to the credit bureaus. But you can ask for a letter of reference from them.\nIf you do not have enough credit some creditors may use letter of references from your other creditors that do not report.\nThat includes you house phone, electricity, and gas bills.\nAnd if you have not looked at your credit report, review and you can go to www.annualcreditreport.com if you have not already done so.\nHave fun and good luck.
328115
They can impact your credit score, although it's hard to say how much.  If you normally pay everything else on time, you won't be hurt as much by one bad account.  However, if you are late on a lot of accounts or don't have a good record with anyone, then you'll see a much larger impact.\n\nIf United Financial is calling you with that threat, they are probably a collection agency.  They may have bought your old debt for a very small percentage of what you owe.  If you are really concerned about your credit but can't afford the $250, you can probably get them to settle for a lot less.  If you tell them you can't afford the entire amount but you want to settle the debt, they may offer you a deal - like $100 to call it even.
35294
Yes, it can affect your credit rating if the unpaid bills are reported to one of the credit reporting agencies. A poor credit rating can affect your ability to obtain further credit, and can affect your ability to obtain some jobs where your creditworthiness may be a factor in assessing your reliability for a job. A bad credit rating can also make it more difficult for you to obtain insurance or you may pay higher rates (happens for car insurance, for example). \n\nIf you are having difficulty with debt consider talking to a debt counselor. More details at:\nhttp://www.bankrate.com/brm/news/cc/20040806d1.asp
1094979
only if you skip out on paying the rent, not move on time or if you damage things and she doesnt take care of the bill before they send a collection agency after her. So, bottom line... nothing will show unless you dont pay or take care of the place.
756117
I would start at your local utility company. I put up a deposit to get my utilities turned on but they credited my account after a few months. I don't really think they save up refunds like that. They probably credited your account and you didn't notice.