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Frequent Contributor
obageegee
Posts: 271
Registered: ‎09-30-2012
0

How can I get my DW to pull her credit score?

I have been after her for months. She usually pulls mid 700's (two years ago) She has a MBNA and a Discover card with probably a 60% utilization and that's it. I think both of these cards are in the 15-20% apr range. My thought is she should apply for two more (after she pulls the CR) and assuming that she gets accepted, spread the debt over 4 cards to reduce the utilization. Any ideas?



Starting Score: 530 - 2/12
Current Score: EX - 720 EQ - 714 TU-690 WM-720
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Valued Contributor
ryanbush
Posts: 1,292
Registered: ‎08-19-2012
0

Re: How can I get my DW to pull her credit score?

Just ask her?

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Frequent Contributor
birjest
Posts: 351
Registered: ‎09-23-2011
0

Re: How can I get my DW to pull her credit score?

[ Edited ]

Tell her:  "resistance is futile..."

11/15/13 EX 685(MY FICO) EQ 657(MY FICO) TU 659 (MY FICO).
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
0

Re: How can I get my DW to pull her credit score?

It would make most sense for her to do a balance transfer and stop paying interest.

You can always say, "Hunny you should save some money on your CC interest by doing a balance xfer so you have more to shop with!" That should grab her attention :smileyvery-happy:

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Established Contributor
djrez4
Posts: 504
Registered: ‎08-28-2012
0

Re: How can I get my DW to pull her credit score?

"The Mayan prophecy fortells that only those with good credit will pass into the next katun."

 

"There are kids in Africa with no credit at all!"

 

"If you don't check your score, the terrorists win."

 

"If you don't, I'll divorce you."

 

 

Established Contributor
shakalaka
Posts: 567
Registered: ‎09-10-2012
0

Re: How can I get my DW to pull her credit score?


djrez4 wrote:

"If you don't, I'll divorce you."

 

 


 

This one could backfire :smileyvery-happy:


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FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Regular Contributor
SpiceIslander
Posts: 348
Registered: ‎02-01-2010
0

Re: How can I get my DW to pull her credit score?


shakalaka wrote:

djrez4 wrote:

"If you don't, I'll divorce you."

 

 


 

This one could backfire :smileyvery-happy:


LOL!!!!:smileyvery-happy:

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

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Valued Contributor
crunching_numbers
Posts: 1,093
Registered: ‎02-15-2012
0

Re: How can I get my DW to pull her credit score?


ryanbush wrote:

Just ask her?


+1

tell her you are trying to get a gauge on your credit situation as a couple and ask her to pull it. If you have separate finances and spending money/budgets, pay the cost.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
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Established Contributor
CruzImperial
Posts: 869
Registered: ‎07-04-2012
0

Re: How can I get my DW to pull her credit score?

Go and with a broken English tell her: "It is your destiny"

Tell her +999
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

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Frequent Contributor
codimom
Posts: 395
Registered: ‎09-08-2010
0

Re: How can I get my DW to pull her credit score?

Have you asked her why she is so resistant to pulling her scores?

Back in the garden!
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