marriage help: My husband has secret credit cards that he is not paying on. - Help.com

What area are you anonymous ?

Connecticut, USA

If the cards are in both your names Id say possibly yes, but if they are in his name alone hopefully not.

His name only

If you are married, his credit is intertwined with yours :(

I would call the Credit card companies and put it over as hypothetical situation , explain it and see what they say, they’ll be able to tell you for sure if it affects your credit.
Call the one that has your name on it, and explain the situation, I think they’ll help you or put your mind at rest.

wow thats really not fair if thats the case Libra :-( why should you be penalized when you have good credit urghh :/

Thanks……… Good Advice!

Rose read this hon………

To the credit reporting agencies, it doesn’t matter if you’ve been victimized by a stranger, a friend, or an ex-wife. Shutting down the unauthorized accounts, filing a fraud report with the police, and telling the credit reporting agencies to place a fraud alert on your account are the first steps to reclaiming your credit.

If, on the other hand, your ex-wife is simply using credit cards that you previously owned together, then the situation is a bit stickier. If you are still registered as a co-owner of the credit card that she uses, you are probably still liable for any charges made on it, explains Experian spokesman Rod Griffin. “If you have a joint account, you’re considered fully responsible for that debt,” he says. (Griffin adds that in some states with community property laws, all accounts opened during marriage are considered joint, regardless of whose name is on them. The Internal Revenue Service publishes an overview of the tax-related laws in community property states, which include Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin.)

You can, however, still file a dispute with the reporting agencies, as well as with the store where the equipment was leased. You have the best chance of being successful if you clearly explain the situation and why you should not be liable for the charges. The reporting agencies have 30 days to investigate and respond—but unless you have a good reason why you’re not responsible for the charges, such as identify theft, then you’re probably out of luck.

Post-divorce credit problems, which are common, usually can be avoided by closing joint accounts. “The safe thing to do is to cancel all the cards and make both spouses get cards in their own names,” says Evan Hendricks, author of Credit Scores & Credit Reports.

The Federal Trade Commission warns divorcing couples that the divorce decrees they negotiate, such as a commitment that one ex-spouse will pay off credit card debt, does not absolve the other ex-spouse fro

http://www.google.com/search?hl=en&q=…

Copy this into you search, this is google links to some sites that may be of help for you.
Sad to say , its saying yes your credit can be affected even if the cards are only in his name, stinks doesnt it ? wow

wow you are great!! thank you so!!

Post-divorce credit problems, which are common, usually can be avoided by closing joint accounts. “The safe thing to do is to cancel all the cards and make both spouses get cards in their own names,” says Evan Hendricks, author of Credit Scores & Credit Reports.

This bit sounds hopeful it seems to be contradictory, Id call the credit card companies and find out for sure , good luck I hope its in your favor :-)

Thanks again I appreciate your help!

Your welcome hon :-)

Sasha101 wrote:
wow thats really not fair if thats the case Libra :-( why should you be penalized when you have good credit urghh :/

When you are married you are one
Fortunately and Unfortunately
It affects you most when you get divorced

There are three possibilities here: (1) your husband is a spending addict; or (2) he wants credit cards to facilitate trysts with other women (or possibly even men); or (3) both (1) and (2).

Don’t count on the credit reporting agencies to keep his credit history separate from yours. They pay their data entry operators peanuts and they don’t have high standards for accuracy. In fact, about 25 percent of the credit reports contain serious errors. Then you get to spend time and money correcting them.

I think you need to confront your husband NOW. By the way, where are the statements mailed to? Or does he do everything online? Either way, he’s about to take your family down the tubes. You could lose your home. Stop his irresponsible behavior NOW!

chev.jame wrote:
There are three possibilities here: (1) your husband is a spending addict; or (2) he wants credit cards to facilitate trysts with other women (or possibly even men); or (3) both (1) and (2).

Don’t count on the credit reporting agencies to keep his credit history separate from yours. They pay their data entry operators peanuts and they don’t have high standards for accuracy. In fact, about 25 percent of the credit reports contain serious errors. Then you get to spend time and money correcting them.

I think you need to confront your husband NOW. By the way, where are the statements mailed to? Or does he do everything online? Either way, he’s about to take your family down the tubes. You could lose your home. Stop his irresponsible behavior NOW!

I agree, I will bet on 2 and or 3
If your husband is hiding credit cards, I am sure ther is alot more things you will find if you look.