How to fix a credit. i put my wife in my credit cards but i separte and she use the card and i did not she spend a lot of money and now i need to pay back. what i can do it to fix my credit i cannot pay something i don’t spend we are married what i can do it she pay back to me.
Have you ever thought about how many people in our country don’t have a perfect credit score? You will surely be surprised to know that over 30 million Americans have a below average credit score. Boosting your credit rating takes some work. There is no quick fix to increasing your ratings. Repairing any damage takes time, but it also does not spell doom!
So what is credit rating anyways? It is a number given to assess and reflect your creditworthiness. Your credit score will be a number valued from 300 to 850. While numerous factors can be attributed towards this rating, your payment and debt history are more important than others.
To start with, you shall need a copy of your credit report. If everything in the reports is good, then you can be rest assured that you will have a good credit score. Getting your credit reports is easy and pain free. Actually you are permitted one free copy of your credit report, every year. Read more about your fix credit at:
June 29th, 2009 at 7:43 pm
If you added your wife as a joint signer she is responsible for the debt as much as you are. If you added her as a authorized user, you are responsible for the debt by yourself.
The only way to fix any damage that has been done is to pay your credit cards on time every month and pay more than the minimum payment. If you wife is using the cards in a irresponsible manner? Call the credit card companies and have her name removed.
June 29th, 2009 at 10:02 pm
I have listed a resource below that contains free consumer information from the FTC on how to repair your credit rating.
June 29th, 2009 at 11:20 pm