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My fiance and I have a joint checking account, which has also a credit line ...
... linked to it. Let's say I want to get out of the joint account, because I want to have an independent one. But I want to keep the credit line, since that is my oldest credit line account. Can I do that talking to the bank? What are the consequences affecting my credit score.
Asked by
ardi83
1 year ago
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Here's the deal... * Your credit and your wife's credit is separate, although you're married. * Your credit score is affected if you are added as an authorized user of your wife's account or you both have a joint account. If she adds you to her account and she makes her score go down from that account, your score will also go down, but only because of that account. Visa-versa. * If both of you keep your credit to your selves and don't do any joint accounts or authorized user additions, then each of your credit scores will be as they are.... separate If you want to get your name off any credit account you're jointly with, then ask the bank manager or whoever to remove you. Tell your wife to remove you. And worse comes to worst, dispute in with the credit bureaus.
afili8ter 1 year ago