Posts Tagged ‘ joint ’

Utility company may decline aplication to transfer account wife from husband

Dear Experian, Why was I turned down when I asked to remove my husband’s name from our electric bill and place it in my name instead? The electric company told me to contact Experian to see why there was a “hold.” - SRH[ READ MORE ]

Getting removed as joint credit card account holder

Dear Experian, I am a cosigner and the secondary user on a credit card. I am not the primary user. I want my name removed from the account. I called the credit card company, and they will not remove me. Is there a way to remove my name? The primary user tried also, and they still won't do it. - WKN[ READ MORE ]

Joint accounts with husband can help wife qualify for credit

Dear Experian, I have been married for many years and have always had credit with my husband. If I ever need to apply for credit on my own, will I be able to get approved based on the good credit I have had with him? - EDD[ READ MORE ]

Cosigning a loan could affect your ability to get credit in the future

Dear Experian, Will cosigning a student loan hurt my chances of receiving a car loan in the future? -SWK[ READ MORE ]

Bankruptcy should not appear in joint account holder’s credit report

Dear Experian, If there are two people on a loan and one of them files a Chapter 13 bankruptcy, would it report on the other person's credit that the account is in bankruptcy status since the trustee will be making payments? - CHS[ READ MORE ]

Bank may not notify you when cosigner fails to pay

Dear Experian, I co-signed my son’s auto loan. He was over 30 days late on one payment. Why should that impact my credit score when I was never notified by the lender or asked to make the payment? I knew I was responsible for the loan balance if asked to pay. But, I had no idea that my credit score would be lowered when I was never asked to make a payment. - JHP[ READ MORE ]

A joint checking account will not influence credit history or scores

Dear Experian, Does having a joint checking account bring down a person’s credit score? - WAG[ READ MORE ]

Creditor reporting account as “Joint” rather than as “Cosigner”

Dear Experian, How should a loan I cosigned for my daughter be listed on my report? The creditor listed it as "Joint" but the credit union told me they put me in their system as the primary borrower, which is wrong. My daughter is the primary borrower. - SJH[ READ MORE ]

Girlfriend stuck with motorcycle debt when boyfriend ends relationship

Dear Experian, My daughter was talked into purchasing a motorcycle for a friend of hers and now he doesn't want it and is thinking of dumping my daughter. If she voluntarily returns the motorcycle to the dealer, will her credit be ruined, and if so, for how long? If she is not able to pay a deficiency, will a judgment against her affect her credit? - GBH[ READ MORE ]

Cosigning for a student loan can affect your credit report as well as the student’s

Dear Experian, If a person cosigns a student loan for a college student, how does it affect their credit? Does the amount of the loan get included in their debt-to-income ratio? - CHA[ READ MORE ]