I'm confused.

You said she's adverse to spending... with a 60% utilization?

New Leech field, hot water heater, car repairs stuff for the kids, it all adds up fast without being frivolous.

Starting Score: 530 - 2/12
Current Score: EX - 682 EQ - 704 TU-680
Goal Score: 700+
App free since 5/22/13

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obageegee wrote:

New Leech field, hot water heater, car repairs stuff for the kids, it all adds up fast without being frivolous.

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So does that mean you have this same debt splitting these expenses or?

We usually try to split big expenses, but I'm making a lot more money lately so I picked up her car payment of $350 per month. Seprate Checkbooks and accounts. She was late 30's when we got married and I was a little younger. So far it has worked out but a few years back when she lost her job, not so much.

Starting Score: 530 - 2/12
Current Score: EX - 682 EQ - 704 TU-680
Goal Score: 700+
App free since 5/22/13

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obageegee wrote:

We usually try to split big expenses, but I'm making a lot more money lately so I picked up her car payment of $350 per month. Seprate Checkbooks and accounts. She was late 30's when we got married and I was a little younger. So far it has worked out but a few years back when she lost her job, not so much.

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I'm way out of my league but maybe someone can chime in but depending on which state you live in, you say when you got married everything was fine financially until she lost her job and ran up these debts... They are now your debts too so you my as well work it out together to BT them to a nice long 0% for 15+ months that are available these days and pay off.  but like I said don't know what state in, etc.

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Creditaddict wrote:

I'm way out of my league but maybe someone can chime in but depending on which state you live in, you say when you got married everything was fine financially until she lost her job and ran up these debts... They are now your debts too so you my as well work it out together to BT them to a nice long 0% for 15+ months that are available these days and pay off.  but like I said don't know what state in, etc.

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This mentality only applies if he lives in a community property state, which there only like 9 states, which fall under this category...

After, learning of this, never understood, why people state, if your husband/wife have bad credit...you will too...I guess the same reason people say divorce will ruin your credit...

FINALLY! SUCCESS! Got my DW to pull her CR. Only one baddie for $34! ug. Dentist bill sent to collection agency, good grief. So it was not as good as I thought, high 600's Utilization north of 60%. So I think she should look to spread the utilization around a bit, I'm hoping she can get a Chase Freedom with a decent CL, then she can shift some of that around to get some better utilization. Maybe Amex?

Starting Score: 530 - 2/12
Current Score: EX - 682 EQ - 704 TU-680
Goal Score: 700+
App free since 5/22/13

See if you can PFD that baddie!

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Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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obageegee wrote:

FINALLY! SUCCESS! Got my DW to pull her CR. Only one baddie for $34! ug. Dentist bill sent to collection agency, good grief. So it was not as good as I thought, high 600's Utilization north of 60%. So I think she should look to spread the utilization around a bit, I'm hoping she can get a Chase Freedom with a decent CL, then she can shift some of that around to get some better utilization. Maybe Amex?

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ouch gw that. whats her aaoa? 

chase freedom is def a good card to have. and does amex due balance trans? i dont think so. (well not on charge cards)

Current: EQ FICO 675, TU FICO 692, Walmart TU 730 EX FICO 726 Amex Pull(1/1/13) Starting total revolving credit: $2600 | Current total revolving credit: $21,600 Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals: Freedom Signature Costco:True Earnings

Amex Zync(Unicorn) Chase Freedom$1500 Citizens Mastercard$5000

Amex will do a BT on a revolver... but I think her util. is too high for an amex revolver. I would try and go for the Freedom. To get a good CL, make sure you say you want to do a BT when you app. That typically pushes them to give a higher CL.