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If you are married, separated, or divorced, and most of the
credit you obtained is in your spouse’s or ex-spouse’s
name only, you should start to get credit in your name, too.
Getting credit in your own name is also an excellent strategy
for repairing your credit if:
a) All or most of your financial problems can be attributed
to your spouse, or
b) you and your spouse have gone through financial difficulties
together, but most credit was in your spouse’s name
only.
In order to understand how this works, you first must learn
about which of your spouse’s accounts can appear on
your report. Here are the rules:
Credit bureaus must include information about your spouse’s
account on your credit report in two situations: (a) you and
your spouse have a joint account (that is, you both can use
it), or (b) you are obligated (responsible for paying) on
an account belonging to your spouse, even if your spouse is
the primary signer on the account.
Credit bureaus cannot include information about your spouse’s
account on your credit
report if the account is not joint and you are not responsible
for paying the account.
This is usually good news if you are worried that your spouse’s
negative credit history may reflect badly on you - delinquent
accounts in your spouse’s name only should not appear
on your credit report. However, if you are now divorced or
separated and had relied primarily on your spouse to obtain
credit, so that most loans and credit cards were in your spouse’s
name only, you won’t have a lengthy history of good
credit in your report. You now need to start building good
credit in your own name. If you are still married, you can
start by making sure that all joint accounts and accounts
that you are obligated to pay appear on your credit report,
too.
Lastly, ask creditors to consider your spouse’s credit
history. Although a credit bureau cannot include information
about your spouse’s positive credit accounts on your
credit report (unless the account meets one of the two criteria
listed above), if you are applying for a loan, credit card,
or other type of credit, you can always ask the creditor to
consider any of your spouse’s accounts that reflect
on your creditworthiness, too. For example, if you and your
spouse make payments on your spouse’s account with joint
checks, bring this to the creditor’s attention. A creditor
doesn’t have to consider this information, but it may.
Protecting
Your Social Security Number
1. Do not carry your Social Security card in your wallet.
You should keep it with other important documents - such as
birth certificates and insurance policies - in a secure place.
A bank’s safe-deposit box is ideal.
2. Be sure any requests for your Social Security number are
legitimate. You’re within your rights to refuse to give
it out. Simply ask why it is needed and state your concern
- most legitimate businesspeople will respect your reticence.
3. Don’t give out your Social Security number over
the telephone or Internet when you’ve been solicited
for the information.
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