In 2008 I stopped paying all my CC debts. I since was sued once and have a judgement. I do not own my car, (its in my husbands name) ,and the house valued at $175,000 is in both our names. My husband wanted to refinance and of course red flags went up everywhere. The bank kept asking him, "Is this your debt" , to which he said no, my wifes and no I do not intend to pay for it. The bank found discovered , (unknown to us), that there was a lien on the house. The bank allowed the refinance to go through at an unbelievable low interest rate. Also, the lien was removed-crazy!! I guess my husbands perfect credit score cancelled my horrible one. I would never have predicted that outcome after all I have learned on here.
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