H asked me how much cc debt I had and I asked him. We didn't pull reports...frankly, I don't know what his current credit score is. He may know mine, but that's only because it's awesome so I told him what it was. I know what his bills are and he knows what mine are. We keep things seperate, but are knowledgable about what is going on in the other person's accounts.
Oh, it was pulled altogether, with all the debts we owe. We both went into this with open eyes...H with his stellar credit history and mine with a little bit more dirt.
We did not pull any credit reports, but we did sit down and discuss our debt and how we were going to pay it off, how we were going to change our investments and created a budget.
In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/special-topic-wedding-boards_wedding-woes_iho-secret-credit-card-debt?plckFindPostKey=Cat:Special%20Topic%20Wedding%20BoardsForum:47Discussion:7649462a-1393-40ff-b1ea-65c3de574a55Post:2a289585-3ca4-4bb6-b0dd-7466d5b6c119">Re: iho secret credit card debt</a>: [QUOTE]We bought a house together before getting married, so our credit scores were well known. Posted by **O-Face**[/QUOTE]
<div>Ditto. Also, he started paying all my bills, so, you know. </div>
In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/special-topic-wedding-boards_wedding-woes_iho-secret-credit-card-debt?plckFindPostKey=Cat:Special%20Topic%20Wedding%20BoardsForum:47Discussion:7649462a-1393-40ff-b1ea-65c3de574a55Post:6146a11f-1427-4bb5-8aa1-7edd2254ed1e">Re: iho secret credit card debt</a>: [QUOTE]Which is why him being a repeated dumbass about money is such a sore subject with me. Posted by GBCK[/QUOTE]
<div>You shouldn't be too sore - couldn't you see the writing on the wall?</div>
In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/special-topic-wedding-boards_wedding-woes_iho-secret-credit-card-debt?plckFindPostKey=Cat:Special%20Topic%20Wedding%20BoardsForum:47Discussion:7649462a-1393-40ff-b1ea-65c3de574a55Post:df9dc495-b05e-493c-bd56-38a5faed03dc">Re: iho secret credit card debt</a>: [QUOTE]In Response to Re: iho secret credit card debt : You shouldn't be too sore - couldn't you see the writing on the wall? Posted by nicoleg1982[/QUOTE]
<div>Yeah, because NO ONE ever gets a fairly reasonable explanation (like medical issues and insurance and school and a healthy dose of young stupidity) for something in their FI's past and an obvious attempt to improve one's self and says "oh, good, he's managed that and has been on the straight-and-narrow for over a year and is making kick-ass progress" ?</div><div> </div><div>For Cereal, do you just look for anything in my posts that is a bit of an open wound to try to poke at? </div><div> </div><div>I should have seen writing on the wall. I didn't--not because he intentionally screwed me over so much as he's got a blind spot about $ the size of a small mountain. I'd still marry the man but I'd have made the $ thing get handled differently if I did it over again. And I'm handing it now.</div><div> </div><div> </div>
We decided that we would be responsible for our respective cc debt, so I didn't need to see his records. Aside from affecting the interest rate on a house or car we will never buy, his cc debt has little to do with me.
I don't think that debt is a dealbreaker 100%, but you have to be actively cleaning that up for me to continue into long term status with you.
People are stupid and do stupid things, but you need to have learned from your mistakes, taking steps to pay it down, and NEVER make the same mistakes with money again.
NOLA, I was all "hee" about the divorce statement, then thought of how many women show up saying "I *JUST* found out my FI is still marrieeeddd wahhhh!!!1!!".
In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/special-topic-wedding-boards_wedding-woes_iho-secret-credit-card-debt?plckFindPostKey=Cat:Special Topic Wedding BoardsForum:47Discussion:7649462a-1393-40ff-b1ea-65c3de574a55Post:637cd47a-4d3a-4a7b-9dc7-9b5158980d71">Re: iho secret credit card debt</a>: [QUOTE]We didn't pull reports, but we had a frank discussion about bills/debts before we moved in together and then again when we merged bank accounts. Posted by mrs.conn23[/QUOTE]
Same here. Except we did it all backwards. We got a joint account before we lived together, way before we got married or even engaged.
I think we were up in each other's financial business enough that we generally knew what we were getting into. I helped him do his taxes, he lent me money for a couple of phone bills when we'd done $300 worth of talking to each other without noticing. We also both bought homes early in the relationship.
We discussed pulling reports, but never got around to it. Same way we always meant to write a prenup. We're generally pretty responsible, but very lazy.
Re: iho secret credit card debt
It must be done, yo.
H asked me how much cc debt I had and I asked him. We didn't pull reports...frankly, I don't know what his current credit score is. He may know mine, but that's only because it's awesome so I told him what it was. I know what his bills are and he knows what mine are. We keep things seperate, but are knowledgable about what is going on in the other person's accounts.
[QUOTE]We bought a house together before getting married, so our credit scores were well known.
Posted by **O-Face**[/QUOTE]
<div>Ditto. Also, he started paying all my bills, so, you know. </div>
[QUOTE]Which is why him being a repeated dumbass about money is such a sore subject with me.
Posted by GBCK[/QUOTE]
<div>You shouldn't be too sore - couldn't you see the writing on the wall?</div>
i can't believe how many of you were satisfied with a discussion unless it involved printed statements and records.
[QUOTE]In Response to Re: iho secret credit card debt : You shouldn't be too sore - couldn't you see the writing on the wall?
Posted by nicoleg1982[/QUOTE]
<div>Yeah, because NO ONE ever gets a fairly reasonable explanation (like medical issues and insurance and school and a healthy dose of young stupidity) for something in their FI's past and an obvious attempt to improve one's self and says "oh, good, he's managed that and has been on the straight-and-narrow for over a year and is making kick-ass progress" ?</div><div>
</div><div>For Cereal, do you just look for anything in my posts that is a bit of an open wound to try to poke at? </div><div>
</div><div>I should have seen writing on the wall. I didn't--not because he intentionally screwed me over so much as he's got a blind spot about $ the size of a small mountain. I'd still marry the man but I'd have made the $ thing get handled differently if I did it over again. And I'm handing it now.</div><div>
</div><div>
</div>
We decided that we would be responsible for our respective cc debt, so I didn't need to see his records. Aside from affecting the interest rate on a house or car we will never buy, his cc debt has little to do with me.
I think credit reports should be pulled, and divorce decrees produced.
You know what I'm saying.
People are stupid and do stupid things, but you need to have learned from your mistakes, taking steps to pay it down, and NEVER make the same mistakes with money again.
If not, then it's a no go.
O, you know it. There are a lot of dumb people out here that *think* they are divorced, and aren't. I need proof.
[QUOTE]We didn't pull reports, but we had a frank discussion about bills/debts before we moved in together and then again when we merged bank accounts.
Posted by mrs.conn23[/QUOTE]
Same here. Except we did it all backwards. We got a joint account before we lived together, way before we got married or even engaged.
I just a friendly gal looking for options.
Crap...I Mean Crafts
Posted by Wifezzilla[/QUOTE]
and sometimes they collect interest.