My boyfriend and I have been together over a year. We love eachother very much and we are very happy. The thing is that three months into our relationship we were ready to move into together and get married. Things were looking good and then he saw my credit report. I lost my good credit score when I had a workers comp back injury. I couldnt walk let alone work so i ended up in bad debt. When I finally got my settlement I paid every debt on my credit report. Although they are still on my report and my score is still really bad I am working my butt off to get my life back. Since he saw my credit report he no longer wants to get married right now or move in together. I had to move in with my family to take care of my dad so I dont have my own place. My boyfriend is older and has his own condo he shares with his brother. He credit score is perfect. I feel like not matter what I do I will never be good enough for us to move forward. Im beside myself trying to figure what I can do. Help!!!
2006-11-27 18:17:12 · 32 answers · asked by Stephanie Ann 1 in Family & Relationships ➔ Marriage & Divorce
Dude dropped you over your credit score? Where you asking him for a loan or a relationship? And you want this piece of crap back? Wake up girl! Your better off without this terd!
2006-11-27 18:24:38 · answer #1 · answered by DialM4Speed 6 · 1⤊ 0⤋
How do you convince your boyfriend that you are financially responsible is the real question. Your situation requires time. He was shocked to find this information out. The good news is the way this happened to you and the fact that you have settled up with everyone. I would look into seeing how to negotiate with the past debtors and the credit buerua in getting it taken off or posting your own comments in your report, to explain what happened. Some people place so much value on an individual's credit history that they let it make their decision for them. He fell in love before knowing that information. It seems to me that you didn't tell him and he found out. Maybe the real issue is that you kept a great big ugly secret from him for over a year.
2006-11-27 18:23:08 · answer #2 · answered by spitfire7611 2 · 1⤊ 0⤋
I am speaking from the heart I want you tell him, "Honey, I know how important a woman with a good credit score is to you so I won't waste your time." Be nice and sincere when you tell him act like it's a revelation. I know you don't want to chance it because you clearly love him but don't love anybody more than yourself no matter what your "issues" are. If he truly love you he should be willing to turn a blind eye to your credit (okay not blind) but marry him anyway and next year it will be your weight/cooking (anything) then have kids it will be your neglect/mothering (anything) so if this is what you are fighting for and make no mistake it is at least step back and wake him up.
2006-11-27 18:25:19 · answer #3 · answered by Enchanted Crystal 2 · 0⤊ 0⤋
Your boyfriend doesn't want to be burdened with your poor credit history. He sees you as "bad debt." It's understandable.
He is 100% correct in not wanting to get married or move in together. If you married him, he may think you want him to pay your debts. Why should he?
Look at it from his viewpoint. He has an excellent Credit History and doesn't want it ruined, with you as his wife, by your bad credit.
Write letters to the creditors still on your credit report, informing them of any debts you paid-in-full Ask them to remove paid debts.
On a recent television program about finances, there was a situation similiar to yours.
The host of the show said, couples are sharing credit reports and not getting married if one of this has a poor credit history. No one wants to go into a relationship with finances hanging over them.
2006-11-27 18:45:22 · answer #4 · answered by newyorkgal71 7 · 1⤊ 0⤋
Honey, first of all Jesus loves you and He cares more about you than any human on earth could!!! So smile and know that things will get better!!!
As for your boyfriend, if he is determining whether or not to marry you over your credit, then I certainly wouldn't put too much stoke in him!!! I know that it is one thing for me to say this, but seriously, if this is what he is choosing to determine who he marries, you mean very little to him, and all he is looking for is a bank roll!
If the man really honestly did love you and wants to marry you, then he certainly would do this to you or put you through this! You are worth so much more than his desire for money!!!
From what it sounds like it that you are getting your life on track and doing your darn best to not mess up which is a very big accomplishment because most people in debt can't even breathe!
Chances are he isn't the one, which is good cause God has someone bigger and better then him! Put your trust in the Lord and He will get you through everything!!!
Love ya girl!!!
2006-11-27 18:27:46 · answer #5 · answered by charis 1 · 0⤊ 0⤋
Well you should do nothing to prove to him that your good enough, if he truly loves you then your credit score should not matter ,esp. with the circumstances you described........I am a man with a very high credit score and that would not matter to me. So I say focus on yourself and make yourself stronger, if he does not want to move forward then its his loss. Besides what about him he owns a condo with his brother, wow he is really up there...??..... well I wish you the best, stay strong and believe in yourself, I hope this helps...............Ace Out
2006-11-27 18:29:23 · answer #6 · answered by adam a 1 · 0⤊ 0⤋
ya know, i hate to say this, but if he's basing your credit report - and just a credit report- on your relationship, there's more going on. Sounds like he's either not ready or super sensitive about $$ and it's not even worth it. Ask him what his problem is. You can use his credit -have the place in his name- for wherever you go.
2006-11-27 18:26:42 · answer #7 · answered by kimandkaitlyn2005 4 · 0⤊ 0⤋
If your relationship with this man depends on your credit score then you should be thankful you did'nt move in with him, tell the jerk to kiss off and find someone that will love for richer or poorer,good or bad credit score!
2006-11-27 19:30:51 · answer #8 · answered by tarzan's lady again 3 · 0⤊ 0⤋
You want to marry a guy who has shunned you because of a "bad credit score" ?? I'd say you should invest a few dollars in getting your head examined. You need a checkup from the neck up. Jeez. Kick that fool to the curb.
Tell Daddy Warbucks that he'll never see a U-haul truck following a hearse...He can't take his money with him when he dies.
2006-11-27 18:18:47 · answer #9 · answered by Anonymous · 0⤊ 0⤋
Good lord what a creep. Your credit score should not matter. If anything he could help you clean it up. he does not want to get married. walk away you have been through enough
2006-11-27 19:40:59 · answer #10 · answered by Life lover 4 · 0⤊ 0⤋