Hi Everyone-I'm really glad to have found this board. I have some old credit problems that I am trying to clear up and am gathering as much info as possible before tackling this. #1 problem-I have an old credit debt (about 3 yrs) that I owe $4000 on. Whats the best way to handle this? I know I owe this money but can't afford to just dish out $4000, otherwise I would do that. #2 I have had a cellphone for about a year, never made a late payment and would like this reflected on my credit report. After pulling my reports I see the cellphone co. is not reporting anything. Is it unreasonable to ask them to report this to credit bureaus? #3 I'm getting married in May. My fiance has credit much worse than mine. We are working on cleaning it up, but it will take a long time to fix. How would taking his name affect my credit?Will I be liable for his debts? I was thinking of not taking his name til later on, if thats even possible. Thanks!!!!!
The only way your credit will be hurt, is if you apply for a "JOINT" account, or he adds you to all or some of his accounts as a "JOINT"...
