The start of a relationship is a beautiful thing. You don’t realise it at the time of course. Being too caught up in that relentless and drowning feeling that involves never quite getting enough of each other. When those feelings subside a little, you start to make plans. You move in to their place. Or they into yours. In time, you start to think about marriage, babies, a house. Maybe out of order, but it’s all in the plan, somewhere. This, you two, this is the future. Everything you’ve done prior to that moment is irrelevant. Except, unfortunately, if you haven’t been careful, it can be anything but.
Take my friend Claire as an example.
Claire and I have been friends for what feels like the term of my natural life. She was there when I had my first ever hangover courtesy of some cheap sparkling wine, she nursed me through my first ever boy induced heartbreak and held my hand at my Mum’s funeral. She really has been there through everything. I, in turn, have watched her live large, hook up with the WORST men on the planet and make poor career decisions – all without any judgement. But then suddenly Claire got her life together. Without warning, she was with Brian. They were married, they had a baby called Ruby and were about to buy a house together.
That’s about the time Claire rang me in tears.
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A credit file report recently saved my bacon!
Long story short - I had been mistakenly listed by a telco (for 6 months of unpaid bills in my name at an address I didn’t live at and for a service that I was not available in my regional location)... and sent to collections... *all* without my knowledge.
It wasn't until I had a copy of mu credit report that I knew this had even occurred.
It took 6 months to clear my name with the telco, and demand they amend my credit file (and some intervention by the Telecommunications Industry Ombudsmen). Quite stressful!
Access to my credit file helped. I cannot express strongly enough how important it is to keep an eye on your financial matters in this way.
does anyone know if they do a credit check for a second card holder.
e.g. if my husband puts me as a secondary card holder, will they first do a credit check on me?
No they only do a credit check on the primary card holder - your husband