Hi,
I got married in first part of 2009 and my husband and I never discussed our financial situations. He has a great job, pays every bill on time and has flawless credit. My credit is a complete contrast to his.
Last week he mentioned that he would like to refinance the mortgage due to better rates and I almost threw up in my mouth a little. I think he is going to hit the roof when he discovers my credit history. I had filed bankruptcy which was discharged in January 2009.
My student loans have been in a rehab program and they are now current. Other than this I have a vehicle in my name, which I got financed during Chapter 7 since my previous vehicle was repo'd. I am current on this.
But I have no idea I can get my credit score to improve - those are the only accounts that I have. All of the collection accounts listed were included in the BK. All the judgments listed were included in the BK and show satisfied on the credit report.
What can I do? Anything?
credit repair
Hi Paulita,
I think it will be better if you discuss this with your husband. It is high time you tell him the truth about your credit.
As for repairing your credit, you need to remove the negatives from your credit report. You can send goodwill letters to the lenders requesting them to remove the negatives on the basis of goodwill.
Also make sure that the accounts included in the bankruptcy does not show any balance. If it is the case, you should immediately dispute those with the credit bureaus.
You can get a secured credit card and try improving your score. First make sure that the credit card company reports to all the three credit bureaus. Then, after getting the card use it to make purchases, and then make ontime payments on the card.
Thanks,
Aaron