Hi, I am so happy that I now have no baddies on my report after writing a GW letter for an item that was paid (a medical collection...long story). The item was promptly removed from my reports and my scores are in the HIGH 600-725 range now YEAH! I finally broke 700! THANKS SO MUCH TO THIS BOARD! I'm a stay at home mother (I have my own checking, savings account (s), and investments). However, I am not bringing in an income per se. My husband has a great income. We have one joint card together and he has a couple in his own name. I have none in my name alone now. I had some before becoming a stay at home mom but closed those accounts at the time (again, before knowing that it was not good to close accounts). Anyway, I want to apply for a card through my bank and get one store card...just to use for FICO building/maintenance. And also just because I just want a card with my OWN name alone (smile) again. I'm not sure how to go about applying using HH income. How does this work? Will they have to pull my husbands Credit report? Will I be required to send in any documentation? I'd just like to know before I go to apply. I've never had to apply using HH income before. Thanks and I appreciate all answers from both men and women on this issue.
