Well, my husband and I figured I didn't really have much of a credit score I guess. Because I've never had a credit card just in my name. When my husband got one, he got me one too but that's it.

Well I wanted to know what I was at, so he helped me find a place to try and get a free credit report. Tried 3 different places. And they didn't work. Saying something like there wasn't enough information to varify my identity or something. Then finally we tried a different thing, either that or one of the ones we'd previously tried but with my information changed a little (like the way an address was written and maybe using my maiden name) it basically said that I didn't have an credit history!

I shouldn't be surprised but jeez.

Oh and this is nice too... when I read that I freaked out on my husband. "Wait a minute, so when you take out a loan you can have someone cosign it, and that can help their credit?" He answered yes, and that's when I really kinda freaked out on him wondering why when he did these two different loans why didn't he have me cosign them.
He told me him and the woman talked out it and were going to but by the time they were done they forgot about it. I was there at the time. I don't remember them ever mentioning me being put on the loans. I remember her saying I should get a credit card to help build credit but that was it.

*sigh* He knows his memory sucks (harsh but oh so very true) when it comes to something important crap like that ticks me off. I'd say why doesn't he let me know something right when it's happening so -I- can remember because my memory is really pretty good. But I guess he'd have to remember to do that too.

Anyway... so yeah. I have no credit I guess. Isn't that peachy?

Are you on a checking account? Savings account? Do you have a phonebill in your name? All of that goes towards your credit report. I'm not telling you that you need to go out and get a credit card but you should have something in your name. Remember it is your credit score and if something happens to your husband then you might need to rely on it down the road.

When we bought our first home we had "no credit." We were very young (I was 18 he was 20) and we had just got married. Neither of us had credit cards or loans of any kind. We had just opened our first bank account. We had nothing for the bank to go on. What we had to do is call our phone company, which we had only about six months, and have them write a letter saying that all of our payments had been on time. We had our pastor write a letter to kind of vouch for our creditability. And our landlord wrote a letter saying our payments were on time. It was with God's help, but we got the house. But man it was a mess!


I agree that you do need something in your name. I used to only put my hubby's name on everything. I had NOTHING in my name. And we realize it was not good. So now I have credit cards in my name and my name is on all of our bills and loans.

__________________
Jenifer
Proud wife to one amazing man
Proud mom to four awesome kids

April showers bring May flowers
"Trust in the Lord with all your heart and lean not on your own understanding; in all your ways acknowledge Him and He will make your path straight." Proverbs 3:5-6

You don't NEED a credit score....ever. Don't worry about that. All you need to get something like a mortgage is to go to a company that will manually underwrite your mortgage, and that doesn't HAVE to go through your FICO score. That's how they used to do it before credit cards ever became what they are now. Like LGZ said, you CAN find a company that will go by your job history, a bill here or there paid on time, etc.....
you DON'T have to have a credit card....and from now on, I won't have one either.

Checking & Savings account info DO NOT go on your credit report. The only way they will go on your credit report is if you have a line of credit with with (and that includes some overdraft protection lines) or if you have a credit card NOT a debit card (which is the one that has a visa/mc logo but purchases made still come out of your account) The only way that a phonebill would show up on your credit report is if you do not make the payments and they basically sew you for the bill.

__________________

I stand corrected.

Could you check with the companies that the loans are with and see if you can get added onto the loan? I wouldn't think it would be terribly difficult to do. While you don't really NEED a credit score (according to Dave Ramsey) if you're going to live a life without taking out loans or living on credit, but please make sure you have your name on the utility bills. I've heard too many horror stories about divorced couples where the husband took care of all the finances and had only his name on things, and then the woman had a hard time establishing herself on her own afterwards. (Not to insinuate that the same will happen to you...)