Advice Credit Score

If credit cards in my name, credit score only my spouse shall be paid if a payment default? ?

I have several credit cards in my name, only in those who have fallen behind in payments. My plan is to pay each of them one by one, plus the balance in the first place, so so at least I can see the progress! I have decided against a credit counseling agency and I plan on negotiating with creditors to myself when my funds to pay off balances. I know how it will affect my credit score. Unfortunately, this is the route to be taken in order to learn a lesson great life. We had excellent credit so far. I stopped working in May and this is what the consequences of that decision are. My concern is that this effect my spouse's credit score. Our home mortgage is in both of our names. In the future we can sell our house (which would be when everyone is rewarded my debt), however, would be in your next mortgage in name only. I would appreciate any advice, thanks …..

If you are in your name only will not affect your credit score. That was a wise decision on your behalf to put credit cards in your name only. Thus, if something has happened as has been done, only affect you and the loan can go for anything that the family might need until you can get your score back up. You also wise in not trying with a credit counseling agency and in my eyes, are scams. Good luck, hope everything works for you! We must all learn lessons in life and is sometimes the more difficult.

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