Debt Problems

My husband has had problems with debt. is there a way to tell if he applies for a card?

We are in serious trouble with my husband using credit cards he never told me about. He has been paying our bills for years. We are trying to get a second mortgage to pay off. I have lost trust because he has not been honest. Is there a way in the future I can check if he applies for credit cards? Do I just need to keep checking his credit?

Public Comments

1. You should look at your credit reports from all three agencies at least once per year and it's free. The reports will show all credit inquiries and open accounts. I don't know however, if you can do it under his name or if being married enables you to do so. If he is opening credit in your name and you don't know about it, you perhaps have problems larger then just credit. The correct credit scores to purchase are from www.myfico.com
2. Sign up for Equifax credit monitoring...You'll be alerted to anyone trying to get new credit.
3. there are many credit monitoring svcs out there. You need to sign up for one and be notified of ANy activity on your accounts
4. Well in your case the only possibility is to check his credit once a month. People which replied above me are right but only when you file an application with both (you and your husband) parties involved. The only way to find it out on your own is when you see his credit however please be aware that there are certain laws which usually prevent someone from accessing somebody else's account.
5. All of the answers below are great, but I would add one more thing. You should sit down and talk to him again, and explain the seriousness of this whole matter, starting with lying and deceiving, acquiring credit without you knowing/or agreeing with it, he has to understand that he has a real problem, like gambling or shoplifting, that he needs help and counseling. He needs to understand, how this can effect " all " of your lives. Good credit is serious, and important, Bad credit, is serious and devastating, long lasting, and shameful. It is not easy to turn things back around. He needs to know, that it's not just his life but your familys also. Bad money habits and debt has caused heartache and the break up of many marriages. Please get help.
6. You have two options. 1. Freeze his credit, this is where he will not be able to use his credit for ANYTHING. Until you UN Freeze it 2. Apply for a on line monitoring site, Credit keeper is the cheapest site I have found. $9.99. a month for all 3 reports.