charliejoe09
New Member
- Jurisdiction
- Texas
When I met my fiancé I was in a bad credit situation. He was the breadwinner He bought my car. My lease was up and I needed a new one. He Said it would be cheaper to have a low interest rate and I could pay him.
I did it.
Since then he left me once and demanded the car back. I gave it back and rented one until I could figure it out among other things. We got back together I started paying it again. I'm still paying.
I recently contacted a credit repair agency. Guy said my biggest issue was that I had no legal/credit responsibility.
He suggested I co sign the car. And get my name on anything I pay for.
My fiancé ran the numbers and said that he is upside down on the car. He doesn't want to co sign the car. He also won't put my name on the house/mortgage. He won't even put me on the electric or cable bill.
He blew up. He said that I would be insane to think he would put me and my bad credit on anything associated with him and his credit. He first said I could take the entire car loan (with negative equity) but then said it was dumb since I don't need to fix my credit right now since I'm not buying anything... and that he needs every extra cent to pay off debt...not throw it away in extra interest rate to improve my credit.
He also told me he met with his accountant and told him all about my bad credit! He said this accountant told him his wife had bad credit too and he should not do anything right now. Just let me try and get a secured card.
Im pretty pissed. He also told me The electric bill and taxes went up so he will be asking me to pay more per month. Yeah, the bill be Won't put my name on.
What would you do here?
Sent from my iPhone
I did it.
Since then he left me once and demanded the car back. I gave it back and rented one until I could figure it out among other things. We got back together I started paying it again. I'm still paying.
I recently contacted a credit repair agency. Guy said my biggest issue was that I had no legal/credit responsibility.
He suggested I co sign the car. And get my name on anything I pay for.
My fiancé ran the numbers and said that he is upside down on the car. He doesn't want to co sign the car. He also won't put my name on the house/mortgage. He won't even put me on the electric or cable bill.
He blew up. He said that I would be insane to think he would put me and my bad credit on anything associated with him and his credit. He first said I could take the entire car loan (with negative equity) but then said it was dumb since I don't need to fix my credit right now since I'm not buying anything... and that he needs every extra cent to pay off debt...not throw it away in extra interest rate to improve my credit.
He also told me he met with his accountant and told him all about my bad credit! He said this accountant told him his wife had bad credit too and he should not do anything right now. Just let me try and get a secured card.
Im pretty pissed. He also told me The electric bill and taxes went up so he will be asking me to pay more per month. Yeah, the bill be Won't put my name on.
What would you do here?
Sent from my iPhone
