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Interestingly enough, low rate credit card read on for further information. But if you open an account in your name and are responsible, no one can negatively affect your credit record. Your income, financial assets, and credit history-and your spouse's-are considerations for a joint account. No matter who handles the household bills, you and your spouse are responsible for seeing that debts are paid.
If your file contains accurate negative information, only time and good credit habits will restore your credit-worthiness. If you find an error in your report, you are entitled to have it investigated by the credit bureau and corrected at no charge. First USA - No Annual Fee Titanium VISA card.