Community Chat

[Danky]

On 1/11/2015 happy housewife said:

Maybe it would be better if you just paid your bills on time, instead of getting irate when you were caught. the credit bureau counts you both as one - when I get my credit report DH's cards and accounts are on it as well as mine - and vice versa for him.

Post after post you make one thing exceedingly clear----you are a very unlikeable person.

[YorkieonmyPillow]

I don't think HH is deliberately unkind; I think she is just a blunt, plain-spoken person.

[Kachina624]

According to their theory, people living in any sort of group home would be entitled to financial info of every other resident?

[151949]

I would bet that when they went to get the approval on his cc something showed up there that the payment was late.As I said before - when you are married the credit bureau considers the two of you as one.

And , yes, it is your responsibility to get a payment in time so that it is posted by the due date.

[Danky]

OP--- that is a little bit of MISinformation floating around this thread. Husband and wife are NOT considered the same person. You have a credit report and so does he. As a matter of fact, you are not responsible for each others debt UNLESS you are joint holders of the credit card. If one of you is the authorized user on the other's card, the user has no responsibility for the debt. If one of you is listed on the others credit report , it is because it is a joint account for which you are both responsible. A spouse cannot even get the other spouse's credit report by request to the agency. When you are married, you are still an individual with your own social security number AND credit...nothing is merged to become one.

[kittymomNC]

I have had many credit cards and several mortgages during my lifetime, and no payment has ever been considered late if it is MADE on or before the due date, or if they receive it by the due date - no matter when it actually gets posted. Apparently some have never made a payment online. You get a confirmation of your payment and it states the date you enter your payment is the date you paid it. Now if you have a check floating around in the mail, that would be a different story. However, if a check has been received BY the due date, it is considered on time according to the fine print - even if it hasn't posted. The OP did not specify the circumstances, but she did say that it was incorrect. If it had not posted, that did not necessarily mean she did not make her payment on time.

The exception would be if you have a bill that specifically states it has to be posted by the due date, and I've never seen one of those.

[apple1964]

N/M

[Cakers1]

On 1/11/2015 happy housewife said:

Maybe it would be better if you just paid your bills on time, instead of getting irate when you were caught. the credit bureau counts you both as one - when I get my credit report DH's cards and accounts are on it as well as mine - and vice versa for him.

You have joint cc accounts. If your cc account is not joint, neither spouse's cc info will show up on the other's report.

And the OP didn't say she didn't pay her bill on time. Maybe you should stick to reading reviews and letting everyone know how stupid they are.

[goodstuff]

I expect that when you signed up for an online account, you agreed in one way or another to abide by the seller's policies and guidelines. Which probably covered the situation you're upset about.

[NC Bandwagon]

Hello, whezy.

Sorry for the "warm" welcome you received. It's not you. Many here are probably just grumpy/having a bad day and take it out others. Don't ask me why because even I haven't figured it out. But the snark has nothing to do with you.

Anyway, hope things work out for you.