By letmefallasleep - 01/04/2020 14:00
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How did wracking up debt on your credit cards ruin your score? Are you not paying the bill for it?
They probably weren't or were paying absolute minimum. Since their husband was the one who ran up the charges he's probably been hiding the credit card bill and doing the "Oh I already handled it" or "I'll deal with the credit card payment" to keep his wife in the dark. Since the card is in both their names late payments would also cause issues for both of their credit scores.