Credit is screwed because of a divorce.?
964141
Learn from your mistakes, it called a PRE NUP
1146737
Well unfortunately credit isn't easy to obtain when you've messed up your credit record. I should know, I also got into a mess.\n\nIn the UK it takes 6 years for the credit reference agencies to 'forget' about your past. Up until then, you are pretty well stuffed unless you can lay your hands on some cash.\n\nTIP1:\nChange your name. This is complex and you need a new address to move to under your new name otherwise the credit agencies will tie you together if you stay at the same address. It's also very longwinded and possibly illegal. Personally I would not recommend this as you could get in trouble.\n\nTIP2:\nIf you are a homeowner, you can get a nice new homeowner loan from many places. Just be sure to keep up your repayments or you might find yourself in a big mess.\n\nTIP3 (This is genious here):\nIf you have £1150 you are sorted.\nGoto your local bank and open a savings account. Put in £1000 and then ask to see the manager about a SHORT-TERM loan. They will refuse until you agree that they can freeze your savings account for security. This means you cannot access your savings. When you are asked why you need the loan, Tell them it is for "Credit repair/Building". This is genuinely recognised reason which they will loan money for.\n\nOnce this is done, take the loaned £1000 and repeat the process another 4 times with different banks. When you leave bank #5, return to the 1st bank with #5's money and pay them off (AND the small amount of interest owing - hence why you need £1150). Take your savings back out and go pay back Bank #2. Take your savings from #2, Repay #3 and so on.\n\nOnce you have repaid bank #5 you have 5 very good, clean positive points on your credit reference score from 5 banks. Suddenly you will find that credit is available to you from practically anywhere and many bank managers will be only too happy to help.\n\nTIP 3 sounds rather longwinded and far fetched, but infact does apparently work very successfully. It is used by people ranging from 1st time property developers to people looking for short term loans. The only snag is you do need just over £1000 to start with - Not easy if you don't have it.\n\nGood luck whatever you decide..
276485
find a reputable credit counseling agency...get an additional job if possible.\n\ncredit counselor company will act as a middle man to your creditors and will negotiate a lower rate for you and also get some of the balance wiped out....you will pay the credit counseling comany the payment for all your creditors along with a small fee...\n\ncheck out the wikipedia entry below regarding credit counseling!
1003685
There is no way  around the bad credit.   Sounds like you will have to establish  the credit again.   Good luck though.
318488
Max out the credit cards and file for divorce before she does.\n\nOops, it is probably already too late for that!
559890
I would search on there name on the internet too see if anyone has posted having any problems.  You can also check with your state attorney general to see if there on the up and up.\n\nThe BBB is ok but if they are members of the BBB and pay there dues they let some pretty lousy companies get away with bad practices way longer then they should.\n\nIf you are trying to repair your credit have you gotten a copy of your credit report from one of the 3 reporting agencies?  Alot of times they have programs to help you learn what effects your credit and give advice on clearing it up.
1172494
Accepting that you are going to do it. Seriously. Then you need to find a lawyer that specializes in this as you are going to have some long term negative consequences and the idea is to make things as easy as possible. Some day you will want, or need, credit again for any number of things and you should be laying the groundwork for that right now.
913256
First... request a copy of your credit report from each of the three major credit bureaus.  Make sure everything on there is accurate and dispute anything that isnt.  \n\nAfter that, you need to close any credit card accounts that you haven't used in awhile.  Having too many open accounts, even if they have a zero balance, still looks bad.  \n\nOnce that's all done... the best way to increase your credit is to make payments on time, keep balances low, and payoff anything you can.  If you don't have any debt, you can increase your credit rating by getting some type of loan (car, credit card, personal loan) and making the payments on time.  Paying such things off early helps a lot too.  Don't let yourself miss even one payment, as that will negatively affect your rating.  \n\nOther than that... if there's bad stuff on there, it's going to be there for the next seven years.  Until it's all gone, your score still won't be great.  \n\nI will tell you that it's worth it though... I had bad credit (thanks to divorcing my lousy ex) for most of my adult life... and finally in the last few years, it's become really good (since I'm no longer paying for HIS mistakes).  Sure makes life a lot easier!
661279
I barely understand what your saying. \n\nIf someone else ruined your credit, prove that it isn't you. If you bought a car and couldn't make payments, a judge can order your wages garnished. Apparently, the creditor does not trust you to make payments on your own [without being garnished].\n\nThe lawyers you work with -- criminal or not -- should be able to give you advice on how to rectify the situation. Ask them for help.
160846
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.
383890
I am truly sorry there is no easy answer for this.  As difficult as it may sound,  ask your soon to be ex for help or to end the divorce quickly.  As long as you are still married lenders still consider debts to be jointly held.  Your pending divorce will scare them.  If nothing else,  get away form the jerk you are with.  I know from experince that abuse, even if only witnessed, is more devestating to children than poverty.
1149969
Since you have a computer go to your banks online service bring up the payments. Call the Loan Company while online discuss it with the manager in charge. Explain to them the problem you are haveing. A Friend of mine just went through this an she claim bankruptcy just prior to this but kept the car and payment. But what had happened is the payments go to a lock box and sit there and when they finally put it in they credited the wrong account. They were showing her two months behind an her payment were there on the first of every month. Plus get there building address not a po box and send the payments to that addrress.
350102
If you have signed contracts in both names (example: car, house, cell phones, loans) then you will be responsible.  If one party doesn't make said payments then they will come after second party.  If there are not contractual agreements that both parties have signed, I'm not completely sure how that works but I don't see how they can hold you responsible. I'm in the U.S.  I just know that contracts are enforceable regardless of divorce.
1162754
He should file now and you two start out fresh.  Keep separate accounts for now and both try to build up credit.  My husband had debt from previous marriage and it will effect you also.  Anything that shows up on his credit will affect you when you try to buy a house or both signatures are needed to make a big purchase such as a car.  Doesn't matter when it occurred.  I had to pay off my husbands utility bill from a previous marriage before the electricity could be turned on in our new place.
796697
Look for adds for roommates.  Someone else getting the lease will help with the credit problem.  Ask among your friends first.
384771
There is no room for being wishy washy here. This is not a dalliance. Bigamy and a child by another woman are too big for a marriage to overcome. You must do the following:\n\n1. Get an attorney. today.\n2. Secure your assets. Determine what major assets you have (bank accounts, investments, savings, retirement accounts, real estate holdings, etc.) and work with your attorney to keep him from draining the accounts and taking off with them. If you're not sure what accounts he has, you may be able to run a credit report on him to see what accounts he has outstanding. Again, use your attorney here.\n3. Immediately kick him out of the house and have him conduct all communication through your attorney.\n\nOn a personal note: this will be hard. In fact, it will be awful. However, many women have been cheated on and support groups do exist. Your attorney may have some referrals for you. Also try lookign up "divorce" in the yellow pages - I bet divorce support groups are listed there. Yours is a harsh case, but I'm sure you can find kindred spirts through these support groups. \n\nAbove all, be prepared to be stong when facing him. He'll be very sorry, no doubt. He may try to convince you to take him back. this is, of course, your choice. however, unless you want to live the rest of your life with his other ex wife and her child in your life (you can't ever get rid of a child) you should cut ties. It may be embarassing, it may hurt, but you can do this. \n\nGood luck and I'm very sorry.\n\nFollow up: As for $, talk to the lawyer. Your husband may be forced to map attorney's fees since he will be found at fault in the divorce.
512571
Mikey dude!! That totally sucks!!  LOL better be ready for her to give you divorce papers on your next birthday.  Time for a priority check!