Category: Debt loan

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Individual Account: Your income, assets, and credit history are considered by the creditor, consolidation debt non profit Whether you are married or single, you alone are responsible for paying off the debt, consolidation debt non profit The account will appear on your credit report, and may appear on the credit report of any "authorized" user, consolidation debt non profit However, if you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin), you and your spouse may be responsible for debts incurred during the marriage, and the individual debts of one spouse may appear on the credit report of the other, consolidation debt non profit Advantages/Disadvantages: If you're not employed outside the home, work part-time, or have a low-paying job, it may be difficult to demonstrate a strong financial picture without your spouse's income, consolidation debt non profit But if you open an account in your name and are responsible, no one can negatively affect your credit record, consolidation debt non profit Joint Account: Your income, financial assets, and credit history - and your spouse's - are considerations for a joint account, consolidation debt non profit No matter who handles the household bills, you and your spouse are responsible for seeing that debts are paid, consolidation debt non profit A creditor who reports the credit history of a joint account to credit bureaus must report it in both names (if the account was opened after June 1, 1977), consolidation debt non profit Advantages/Disadvantages: An application combining the financial resources of two people may present a stronger case to a creditor who is granting a loan or credit card, consolidation debt non profit But because two people applied together for the credit, each is responsible for the debt, consolidation debt non profit This is true even if a divorce decree assigns separate debt obligations to each spouse, consolidation debt non profit Former spouses who run up bills and don't pay them can hurt their ex-partner's credit histories on jointly-held accounts, consolidation debt non profit

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Debt Services: explore your options before considering bankruptcy