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@alexhortdog wrote:
The real question is - does Mom like your fiancee?
LOL do they ever? Haha.....
I learn something new every day. Just wanted to say that I wouldn't gloat about it to momma. LOL
+!
Ya, mom's don't like that.
I see two different issues. One, possible responsibility for the debt, and two, the legitimacy of any credit reporting made based on such a responsibility.
I agree with the comments regarding community property, which go the ultimate issue of possible legal obligation for a spouse on debt incurred prior to marriange.
However, it is not uncommon for a creditor/debt collector to report an asserted debt obligation on the credit report of the spouse. It may be totally improper if not community property and/or not a joint account, but that does not mean they wont do it.
You then have an FCRA/FTC/legal issue to unravel and show they are incorrect.
I think the advice to be wary has some merit. Being correct on the matter does not mean that it wont arise.