I have been reading this board for almost 4 months. This board is very useful for the new comer to this country like me. I have been here for almost 5 years. I started building my credit 3 years ago with good standing unitl now. 2 years ago I got married and 2 months ago I found out that my husband, he has a very very bad credit. - 2 paid charge off-Providian, and Capital One (will drop 2008) - 2 paid student loans (will drop 2005) - 30 days, 60 days late payment for Macy's Card and Bloomingdale's card. Every single item on the report has the problem with late payment. I argue with him about this almost everyday. I also add him as an authorized user for almost a year. Last month I sent out dispute letter for him to all 3 CRA's and yesterday I got reply from Experian and they are all varified. I want to kill myself. This ruin my life. I just can't take it anymore. We can't do anything until 2008. I am not working right now. All my credit card are Student Credit Card (Citibank and Amex) Also I am 25 weeks pregnent. I don't know what to do anymore. It's just too much for me. Seems like there is no future for me. My husband he's 40 years old at the time he can rebuild his credit he will be almost 50 years old. We didn't even have a house ourselves. What a life!