Maybe I should clarify. My bad credit is a result of my ex wife. When she decided she wanted a divorce, I agreed to settle financial matters without a judge having to do it all for us (big mistake). She hasn't been paying things that were in my name that legally she should have been paying thus the bad credit rating. It was not a result of my irresponsibility.

2 ways

1. You have to have something to put up as colateroll. Car, House, Boat.

2. have someone w/ good credit cosign.

OR
You can got to a loan shark and use your leggs as colateroll LOL

yeah i say lay away.. some jewlers might be able to let you take it on credit if you put down a good chunk of it ahead of time.. like a downpayment type of deal

The jewelry store that we went to did instore special credit with us and we now have their credit card. Some jewelry stores are really willing to work with people. Gm Pollack & Sons is a really good jewelry store

I personally wouldn't get married until you could afford to do so. If you have to "finance" a ring, then you can't afford it. People "finance" their homes and their cars. It's "irresponsible" to get yourself in unnecessary debt. Also, does your fiance understand your bad credit??? It's important that she does because that could negatively impact her credit as well and could affect her life-style. Hopefully, you're being honest.

You don't. Don't go into debt for assets that don't appreciate. Pay cash for the ring. If you can't afford to pay cash for the ring, your finances are not in good enough shape for you to marry. Remember, however, it doesn't have to be an expensive ring.

You dont borrow money for a ring. Save up to buy whatever you can reasonably afford.

[Hedwig]

Originally Posted by cindra

I personally wouldn't get married until you could afford to do so. If you have to "finance" a ring, then you can't afford it. People "finance" their homes and their cars. It's "irresponsible" to get yourself in unnecessary debt. Also, does your fiance understand your bad credit??? It's important that she does because that could negatively impact her credit as well and could affect her life-style. Hopefully, you're being honest.

The only way the poster's credit would affect his fiancee is if they apply for join credit after they are married, and there is a problem with that.

Many people have a mistaken impression that credit is shared when you marry. Credit is an individual item, and the only time a credit line would reflect on your spouse's report is if both of you are on the account.

Now, if they apply for a mortgage, both credit histories will be considered and his credit could keep them from getting a mortgage. But if she can qualify for the mortgage alone, she can obtain the mortgage in her name only.