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

obageegee · ‎09-30-2012

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 - 682 EQ - 704 TU-680
Goal Score: 700+
App free since 10/24/12

ryanbush · ‎08-19-2012

Just ask her?

birjest · ‎09-23-2011

Tell her: "resistance is futile..."

04/24/13 EX 679(AMEX) EQ 650(MY FICO) TU 648 (MYFICO)

jd5189 · ‎08-14-2012

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

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.

djrez4 · ‎08-28-2012

"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."

shakalaka · ‎09-10-2012

djrez4 wrote:

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

This one could backfire

SpiceIslander · ‎02-01-2010

shakalaka wrote:
djrez4 wrote:

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

This one could backfire

LOL!!!!

Meg.

FICO: EQ 756 / TU 721 - 04/01/13 / EX 744 - 08/24/12 (AmEx)
FAKO: CK 731 - 04/01/13 / Quizzle 744 - 04/01/13

crunching_numbers · ‎02-15-2012

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), 771 TU98 , 824 TU08 FICO, 776 EQ FICO , 735 EX(9/12) FICO
Goal Score: 750+, but shooting for the 800's
my wallet: Hyatt Visa Sig ($23K), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Discover It ($8K), Amex BCP ($9K), FNBO Visa (13.1K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Walmart D ($7.5K), JCP($5.3K), Dicks MC ($2K)

CruzImperial · ‎07-04-2012

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

Tell her +999

codimom · ‎09-08-2010

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

Back in the garden!
App free since 23Oct2012

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

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