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Emily S asked:


My boyfriend and I have discussed marriage but one of my biggest concerns is his credit. He is working towards improving it, but I know this will take years. I have excellent credit. If we get married and do NOT have any joint accounts, seperate car loans, home in my name, seperate credit cards, etc, will his credit score have any effect on mine? Also if he continues to damage his credit after getting married, will that effect my credit score?

cytang8 asked:


I am wiling to give him the house because I’m getting other assets. He can’t refinance because his credit is bad and other reasons. I don’t want to keep my name on the loan and home in case something happens. He told me I could monitor his account and make sure it’s being paid and if he can’t make the payment he will sell. He doesn’t want the divorce and says he will make the divorce difficult if I force the sale of the home. I have three kids, ages 12, 14, and 16 and live in California. Please advise.

After numerous court dates, and the judge giving my ex wife deadline after deadline to refinance our marital home, she still has not done it and given me my share of the equity. She claims her credit is bad and the interest rate is too high, etc. The judge then gave her some time to try to raise her score or find another mortgage company. I have another court date Monday. The judge said that she had to refinance by October 15. She didn’t, so that’s why we’re back in court. In the meantime, my credit is shot, I am struggling to pay bills, and I need this money. Is there any documentation that I can show the judge this time to prove that I am in need of my equity in the house? Our divorce has been final since August. Please help. My lawyer does accompany me to court, however, he doesn’t seem to be much help. Thank you very much.

By: ChgoLake

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