Newsgroups: misc.consumers.house
From: spambait@milmac.com (Doug Miller)
Subject: Re: couple buying house and credit scores- me too!
Date: Thu, 24 Jul 2003 18:25:40 GMT

In article <9YSTa.3960$pB5.29265005@newssvr14.news.prodigy.com>, "JD"  wrote:
>> >On Sun, 20 Jul 2003 18:35:38 -0700, "Ignacio Machin"
>> > wrote:
>> >
>> >>Hi,
>> >>
>> >> Me and my wife we are planning buying a house, the think is that my
>credit
>> >>score is much better than hers, how do a lender see us in this case? do
>they
>> >>sum and divide by 2 our scores?
>> >>

There could be as many as three separate scores: you alone, her alone, and the 
two of you together, depending on the type of credit accounts you have had in 
the past. How this will be treated probably varies from lender to lender.

If her credit is poor, and your income alone is enough to qualify for the 
mortgage, you should consider applying for the loan in only your name. Make 
sure to get *both* names on the title for the house.

>
>Just be happy that they don't care if you can read or write.
>

Geez, cut the guy a bit of slack. Look at his name. English probably isn't his 
first language, but he managed to make his meaning perfectly clear -- and all 
you can do is criticize his language skills, not even make an attempt to 
answer his question.


--
Regards,
        Doug Miller (alphageek-at-milmac-dot-com)

Save the baby humans - stop partial-birth abortion NOW