I have been rebuilding credit over the past 3 years with great success, gone from a FICO of less than 500 to almost 700 now. Part of my solution was to take all financial matters away from my wife and handle them myself. I have been doing well until just tonight when I got hit with a $900 cell phone bill for a phone in my name but that I let her use! I thought that I might be missing a bill from December but between business trips and Christmas I wasn't sure. Now I find out that she must have grabbed it and thrown it away. I believe she has done this in the past but I usually check bills online especially if I can't find the hard copy. This is the final straw and I need to get a PO Box to ensure I get EVRYTHING I should through the mail. Will getting a PO Box at MailBoxes Etc. hurt my scores or future approvals? I am looking at buying a house by the end of the year and don’t want to jeopardize my chances.
Thanks in advance for all of your wise input!