And they cut your credit limit without asking, but only if you're an honest to goodness deadbeat. Remember, Washington Mutual Credit = Providian.
I checked in the spring and it was something like 730, which is great for me because my credit used to be HORRIBLE. My score should be even higher now... My wife's score, on the other hand, ugh...
How does that work? I mean if one person has excellent credit and the other has poor or fair credit, how does it work out when the couple wants to buy a house? A car? Some other expensive item? If you are married does their credit score affect yours? I have been confused about those situations but I pretty much know my stuff on the rest.
They tend to take the higher ones credit and the other is a co-signer. I remember when i bought my first new car they took my mom as the man and me as cosigner since her credit was better than mine at the time. There is a lot of information regarding marriage and other joint things and how they effect your credit if a divorce or anything like that happens so you should read up on that and who it efects. Here is a brief link http://www.ukpersonalloanstore.co.uk/financial/joint_mortgages.html
I can't speak for every lender obviously, but when applying for joint credit on a mortgage or auto loan, the underwriters will typically use the credit score of the primary income earner in the household (i.e. if you and your wife apply for a mortgage, but she makes more than you do, they will use her credit score to make a determination on your overall credit-worthiness). The only way for a spouse's credit score to count against yours is if you suddenly become a co-signer/co-maker on a loan account that has negative payment history reporting to the bureaus. However, if you have excellent credit and add your spouse (who doesn't have a good score) on a credit card or loan account that has positive payment history, it is possible for that to have a positive impact on your spouse's credit score.
777/778, it's a little thin a 6 years and 4 trades but I think I should be able to get a loan when I need it.
http://en.wikipedia.org/wiki/VantageScore Unlike FICO’s traditional 300 to 850 scale, the VantageScore goes from 501 to 990, as reported by TransUnion: A: 901–990 B: 801–900 C: 701–800 D: 601–700 F: 501–600
