By anonymous - 08/09/2015 12:35 - Canada - Toronto
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That is scary, but hey I almost got married to a guy that had a horrible credit score. I wasn't about to merge mine with his.
My husbands credit and mine are still separate even after we got married. Either way, I don't think I would not marry someone based on their credit score. I had horrible credit as soon as I turned 18 because my mom bought me a gym membership when I was 14, but she never paid it off. Because it was under my name (even though I never signed anything), it automatically went on my credit. Thankfully I was able to fix it with relative ease but it was a pain in the ass to begin with. Just saying, you never know why their credit score may be low. Doesn't mean they aren't marriage material.
#48, Did you challenge the gym membership being on your credit report? My financial advisor told me you can do that when fraud is involved. I think you may have been able to have it removed since it was created for you when you were a minor and you didn't sign anything. Just wondering, if you don't mind me asking. I've got all sorts of stuff my ex husband opened on my credit report dragging my credit score down that I'm going to start challenging soon. If it goes through, and my financial advisor thinks it will, my credit score should rocket upwards.
What, 113? That's not true at all. I couldn't get the court to assign responsibility to my ex husband for the debts he took out in my name. And even if I could, it wouldn't matter anyway. The creditors would still be coming after me, not him, because the debts are in my name. I think the only time a partner's bad credit affects their partner is when they're buying a house together.