He is right, its only if u guys have accounts together it would affect u.. so don’t get things together until he gets his credit in order

you are caught in a bad spot
First off the days of a co signer are just about gone. The banks would rather the other person buy the car and let you use it. Your only solution, is a cheep car you can pay cash for or a buy here pay here company. Places like JD byrider are most every where. Most will charge you the maximum interest rate alowed by law in that state. In NY its 24.99%. If you do have to go that route make sure you get a deal with no prepayment penality and work on gettiing your credit restored as soon as possible. Then apply for a regular loan at at bank and see if you can pay off the first loan off to lower your interest rate. No only do buy here pay here places charge high interest they charge a ton of money for the car. I have seen some people wind up paying, with interest and all, over 15,000 for a 2500 car. I would almost rather see you borrow money from a relitive and offer them interest and pay cash for the car. Even if 20 people had to lend you 100 each. Its sad but I have seen it time and time again as rent prices go up and people get squeezed. Pay increase has not stayed in pace with the increase in housing costs in most places.

Normally these loans are more expensive than those offered to borrowers with good credit. The interest rates are higher because the lender bears higher risk. Adverse credit loans have more stringent repayment criteria than normal loans. Skip one payment on a bad credit loan and your rate will rise and you may even have to face a foreclosure.

wow….i’m wondering the same thing myself…same situation…going to be married in two months…i’m worried too…i have good credit (like you do) and he doesn’t…at all…love him to death, but i’m not trying to fix his past mistakes either out of the money i’ve saved over the years…

we decided that when we get married, we will share ONE account…an account for bills, money for our possible future children, etc….but i’m worried too that the money can be taken away because of debts he has be taken out ?? (kinda small, but still not my responsibility as far as i’m concerned)

please e-mail me with any good advice you receive from this question as i would GREATLY appreciate it!

thank you!

Keep in mind the more people check your credit the worse it gets. Every credit inquiry makes your credit score lower and lower.
Suggest you try a used car dealer thats not affiliated with one of the big guys

There are more that a few lenders who specialize in credit cards for people with bad credit. You just have to look a little harder than most people have to.

And getting a card after you’ve had a few problems doesn’t necessarily mean that you have a higher than normal rate. Like, I said, you’ll just have to compare between credit lines, yearly fees, and interest percentages. Just make sure you do your homework BEFORE you commit, and you’ll be fine.

You can find some offers for credit cards, both secured and unsecured here:

Reward credit cards reward you depending on the amount you spend on the credit card. Usually, you can collect rewards through 3 methods. One method involves earning cash back on the card, which is generally a certain percentage of each amount you spend. The next method involves giving points or any other type of token to the customers to accrue. They can then redeem these points for gifts like luggage, cosmetics and other goodies that the credit card company offers. Most of these reward schemes have alluring gifts and huge variety of selections. But the better option is to go for a cash back reward as it allows you to use the money any way you like.

Guess what? When you get married and apply for loans they will check whomever name is on the application which is usually each of the spouses because normally you want to get approved by showing more income. But if you apply for a credit card under your name only they will only check your name.

Hello,
In regards to your question, i would advice you to visit Clarkson Micro Finance Incorporated.
Few months ago when i had a bad credit a friend of mine introduced me to them, Inspite of my bad credit they were able to lend me a loan of 25,000, British pounds within the space of two days of which i used to revive my business, I think you too can do the same as well, regardless of your nationality.
You can reach them via
Sincerely,
Victoria Dingley,
From Newcastle, England.

I would look for an inexpensive car, say 1000 to 1500 dollars. Just something to get you back and forth to work or school. In that time I would consolidate all your bills to get your credit standing in the green. This is very simple to do and will lower your monthly payments to creditors, and give you a better interest rate. Only one payment for all your creditors. What a great feeling that is. And work your way up, getting things paid off and such. This is key, because you don’t want to fall back into the same hole that you are in know. Get that credit rating up, get those bills paid off, and get you a car that is reliable, yet inexpensive. You don’t want to get a new car and have a huge car payment, then you wont be able to pay your other bills. This has happened to me plenty of times. you just need to think straight, have a goal in mind, and go after it. Everything will fall into place. Good luck, and I hope this helped you