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

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Hightechredneck
Frequent Contributor

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?

Message 1 of 39
38 REPLIES 38
ryanbush
Valued Contributor

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

Just ask her?

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 2 of 39
birjest
Frequent Contributor

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

Tell her:  "resistance is futile..."


5/30/15 EQ 596; TU 605; EX 580.
12/18/17 EQ 646; TU 660; EX 674.
7/30/23 EQ 708; TU 703; EX 721.
Message 3 of 39
Anonymous
Not applicable

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 Smiley Very Happy

Message 4 of 39
djrez4
Established Contributor

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."

 

 

Message 5 of 39
shakalaka
Established Contributor

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 Smiley Very Happy



FICO (TU/EX/EQ): 773/766/778 - Total CL 255+K
Message 6 of 39
SpiceIslander
Frequent Contributor

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 Smiley Very Happy


LOL!!!!Smiley Very Happy

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 7 of 39
crunching_numbers
Valued Contributor

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: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 8 of 39
CruzImperial
Established Contributor

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 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 9 of 39
codimom
Frequent Contributor

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!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 10 of 39
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