Hey everyone, considering that most people seem to know their stuff on this forum I decided to ask for some advice and I guess partly to vent as well. Perhaps you can help me with something that has been eating at me for a while.
I am not going to suggest that I am with one of the most financially prudent people in the world, but when I found out what their credit score was (they say they never really checked it, even with the free credit advertisements you see everywhere) I have finally found that I am with one of the many people with relatively poor credit.
I have found that having poor credit means that we are going to be spending more in interest if we try to get ‘m a credit card, it means that we are going to be spending extra. They never checked for negative reporting, relevant information, or possible mistakes on their credit scores.
One of the reasons that is especially frustrating is because I have always tried to make sure that I keep my credit score relatively high. Even with student loans, we would spread them across my parents to ensure that the impact on my credit was not too bad. I have been good about paying credit cards etc. etc.
I guess my question is whether any of you have ever gone through things like that, whether a significant other was just careless about their credit and how you fixed it. We are currently looking at possible credit repair options but not sure what to trust on that front. Do you have any advice about possible steps to take next?
Suppose, your significant other is careless about money and credit, then you may have all the accounts separate just to avoid your credit rating from getting affected adversely. Prior to that, you may sit down and have a detailed discussion about the dangers of being irresponsible with one's financial resources.