What is yours? Is there one that has brought your credit down?

Is your SO worse than yours? Have you done anything to help him out?

My SO had some fraud, so right now his is average. I'm gonna try and cosign on a card for him and/or he wants to look into having something done but idk what is legit and what's a scam.

Mines like 740.

Mine is 730. SO's is 540.

Mine sucks i don't even know what it is, but it's because i have NO credit at all.

Mine is like... 540. Give or take 10. SO's is like 680. Mine are from medical bills. He's helping me get mine up... we have my car loan together, so that's helping a bit.

Quoting JiLLiAN.:" What is yours? Is there one that has brought your credit down? Is your SO worse than yours? Have you ... [snip!] ... try and cosign on a card for him and/or he wants to look into having something done but idk what is legit and what's a scam."

Mine isn't great. I'm not sure what it is right now because we've focused on fixing his. Ours both got ruined with bills form my daughters NICU stay. Between all the different Dr's, hospital, o2, me having to quit my job way before we expected, travel to and from the NICU. Sigh. Yeah, it ruined it.

We've gotten his up to almost 700. Just slowly but surely. Got him a prepaid credit card. Made sure all bills were paid on time. Also, he worked on sending letters out because sometime you can get things deleted from teh credit report (things you've already paid).

Next step? My credit .

Mine is like 580 because of medical bills as well.

Quoting she nan igans:" Mine isn't great. I'm not sure what it is right now because we've focused on fixing his. Ours both got ... [snip!] ... out because sometime you can get things deleted from teh credit report (things you've already paid). Next step? My credit ."

Where did you get the prepaid card through? That's what Jake was talking about doing but I don't know which are legit.

He had fraud a few years ago that messed it up and then just a few months ago he had someone use his card for a few hundred dollars! He had a lot of medical bills, too.

Mine is probably in the 700's. What helps it is that SO and I financed a new car and make bi-weekly payments on time.

Quoting kthx.:" Mine is like... 540. Give or take 10. SO's is like 680. Mine are from medical bills. He's helping me get mine up... we have my car loan together, so that's helping a bit."

All of our utilities are in his name, do you know if that helps at all, or no?

Quoting JiLLiAN.:" All of our utilities are in his name, do you know if that helps at all, or no?"

I'd think so. Since they're bills, and paying bills on time helps your credit. I should've thought of that... because all of our bills are in SO's name  

Quoting JiLLiAN.:" Where did you get the prepaid card through? That's what Jake was talking about doing but I don't know ... [snip!] ... it up and then just a few months ago he had someone use his card for a few hundred dollars! He had a lot of medical bills, too."

Bank of America. Go through a big company, they'll almost always approve you. We paid $300 to them for them to hold. Our credit limit was 300. We used the card and made payments like a normal credit card. All of that was recorded to our credit score and they approved him because they had that full 300 held from us, so there was no risk to them.

Quoting JiLLiAN.:" All of our utilities are in his name, do you know if that helps at all, or no?"

No. They don't report unless you miss a payment. So they won't see them unless he's late on a payment where a car or credit card show payments on time as well as late.

Quoting she nan igans:" Bank of America. Go through a big company, they'll almost always approve you. We paid $300 to them for ... [snip!] ... recorded to our credit score and they approved him because they had that full 300 held from us, so there was no risk to them."

Thanks, we have accounts through them I just didn't know anything about prepaid cards. That's cool, we'll have to go there his next day off.

Quoting she nan igans:" No. They don't report unless you miss a payment. So they won't see them unless he's late on a payment where a car or credit card show payments on time as well as late."

that's stupid. but i kind of figured as much.