How do you fix your credit? We are paying off all the bills then what?
Bubbles asked:
My husband’s credit is a mess- I have managed to pay off all his bills. I have a large credit card we are settling and then a small medical bill- then what? How can I improve his credit score? I don’t really want him to have another credit card- he has one that’s connect to mine because he bad about adding things up…. like he keeps charging until he maxes out the card. Granted- he is charging building supplies to our new house- but he can’t budget. So he is a lot more careful with me drilling him ever week about what is on the card- he now tells me before each charge and I tell him the balance for the week. I have to tell him- no wait until next month or next pay check for that purchase.
My husband’s credit is a mess- I have managed to pay off all his bills. I have a large credit card we are settling and then a small medical bill- then what? How can I improve his credit score? I don’t really want him to have another credit card- he has one that’s connect to mine because he bad about adding things up…. like he keeps charging until he maxes out the card. Granted- he is charging building supplies to our new house- but he can’t budget. So he is a lot more careful with me drilling him ever week about what is on the card- he now tells me before each charge and I tell him the balance for the week. I have to tell him- no wait until next month or next pay check for that purchase.
How else can I get his credit up? House is in my name- cars are paid off……
I went through an agency to get them to lower the amount and we are paying it in one lump sum.
I use my credit cards to build up rewards- last year I paid $0 on Christmas gifts because I earned over $700 in gift cards from discover. I have 0 balance every month and do not carry over- I pay it once a week.
Don’t tell me to use cash- I love my discover card.
My credit is fine- Just HIS credit.
Travis
