We've been married for almost 5 years. During that time period, he has never been able to get approved for a Credit card. His ex had opened up a bunch of cards and accounts in his name before they split. He was never able to track them all down and when we met, he explained it to me. So, he waited for most of it to just drop off and from time to time just trying to get a secured card. He did have some issues remembering to pay things on time but after we got married, I just made sure to handle all the finances. We both browse PF and have been learning a whole lot from all you guys. I added him and a AU on my oldest BoA card (about 10 years old) with a 10g limit and another card that I have. We never really checked on how that improved his score but the last time he checked it was like 400...if that. He also has a car note that we pay regularly and on time. So that helps too. He applied for a CC with our CU. I was crossing my fingers that he would get approved for 500 bucks. He got 7000! He was in shock. He doesn't even want to carry this card around lol. I'm an authorized user and I'll be right behind him making sure he's paying everything on time and not slipping. He's only going to use it for gas and maybe suprise gifts like flowers that he doesn't want me to know about. We're actually doing it! His credit is finally better and now we can acutally co-sign on a house together instead of his name just being on the deed like it is now! Thank you, PF, for all your help. We're still not 100% where we want to be but the tree is starting to bear fruit!
Submitted March 16, 2017 at 05:28PM by natalie_smatalie http://ift.tt/2mxFje7
