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i resently got married and we're gettin kicked out and we got married cause we love each other and cause we're tryin to find an apt and we have to have a down payment and i have no job but my husband dose and he can make the payment while i take care of her 5month old daughter i just wanted to know though since he has bad credit and he's 22 and i'm 19 and i have no credit do i have bad credit cause of him or does he have no credit cause of me or what??????

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Asked by Anonymous at 12:40 PM on Aug. 28, 2009 in Money & Work

Answers (5)
  • shruggingUmmmm


    Answer by Anonymous at 1:06 PM on Aug. 28, 2009

  • Your credit records to this point are INDIVIDUAL, until you sign something jointly. He has bad credit because of himself, you have no credit at this point. BUT...his credit WILL impact your applications. You might have better luck trying to rent in your name only if his credit is really bad.

    Answer by gdiamante at 1:06 PM on Aug. 28, 2009

  • Once you get settled, please get an education

    Answer by Anonymous at 1:19 PM on Aug. 28, 2009

  • depends. Just because you have NO credit does not mean you have BAD credit. But you do not have bad credit just because he does. Now if you are going to try to rent at a place that goes by credit and you use BOTH of your names, then yes his credit will affect how things turn out. You may have better luck doing it in your name only, but you not having a job might affect that too. As individuals you each have your own separate credit scores, anything you try to do together though....that's where the issues will be. If you can get together the deposits and first and last months rent you will be able to find an individual that will rent to you though.

    Answer by slw123 at 2:59 PM on Aug. 28, 2009

  • Do you guys atleast have good rental history. Sometimes a landlord will take that on good faith if you atleast have a past landlord that will say that you always paid on time. Other than that, you guys are probably going to have to pay a HUGE down payment if anyone lets you move in. Good luck with that.

    Answer by sweetstkissez22 at 3:22 PM on Aug. 29, 2009

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