December 16, 2001

Welcome to 0nly4Homebuyers Issue 39.

Dear Readers,
Just wanted to take this opportunity to wish all
our readers a Merry Christmas and a Wonderful
New Year!

Please share this newsletter with your friends.
If you have a suggestion for an article,
please email me directly and tell me what you would
like to see! mailto:cmc@...

If you would like to read more articles about
buying or selling a home,please visit our website
http://www.creativemortgageco.com/

Cindy
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In this Issue:
Credit and Divorce
Last Minuite Spruce Up's

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Credit and Divorce

Happily ever after doesn't always happen. When
divorce strikes, you need to know what is going
on with your finances, and how non-payments could
affect you and your credit rating. There are two
types of credit accounts and each one affects
your credit rating differently.

Individual Accounts
Companies grant you individual credit accounts
based on your income, assets, and credit history.
You alone are responsible for individual credit
accounts. Your payment status will show up on
your credit report. You can make other individuals
authorized users on your account. This gives them
access to use the credit, and payment status may
show up on their credit report as well. However,
the authorized user is normally not responsible
for paying the debt. The exception is in community
property states (Arizona, California, Idaho,
Louisiana, Nevada, New Mexico, Texas, Washington,
and Wisconsin) where you and the authorized user,
if it's your spouse, may be responsible for
paying the debt.

Joint Accounts
Companies grant joint credit accounts based on
you and your spouses income, assets, and credit
history. This is often useful when one spouse
doesn't work outside the home. Payment status
is reported on you and your spouse's credit
history and you are both responsible for
repaying the debt.

What Happens in a Divorce
Knowing what accounts you are responsible
for is very important during a divorce.
Although a judge may assign your spouse
an account to pay off, if you are listed
on the account with the creditor, ie. you
have a joint account, you are still
responsible to the creditor for the debt.
This is where most people let the guard
down. You believe that since your spouse
was ordered by the judge to pay a debt,
that your spouse will in fact pay the
debt and you aren't responsible for it.
But what happens when your spouse doesn't
pay the debt? The information goes on YOUR
credit report! Divorce decrees don't remove
responsibility for debts.

What You Can Do
Make sure payments are up to date on all
your individual accounts and your joint
accounts during a divorce. Joint accounts
can be changed to individual accounts to
move responsibility to only one party.
Depending on the type of credit this could
be as easy as asking to have the other
individual removed, but you may have to
refinance the debt in order to make it
an individual account, such as mortgages.
Keeping honest communication with your
spouse may be key to keeping your credit
history in good shape, it will be worth
it in the end.
--------------------------

Copyright 2001 MomsBudget.com - Providing
financial resources for women who happen
to be mothers. Sign up for our newsletter
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Last Minuite Spruce Up's

As soon as you decide to put your home on the
market, you know you need to make sure the house
is sparkling inside and out. The grass should
be mowed, leaves raked and carpets cleaned and
your closets straightened out. But what should
you do last minute, before the agent brings
someone over to show the house? Plenty!

Obviously, I don't need to tell you that you
need to make sure that everything is spotless.
Here are a few extras that you can use to make
your home more appealing.

Go through the house and open all the shades
or blinds. Draw the drapes back from the
windows,(which should be spotless. A bright
house looks more cheerful AND much larger.

Turn on all the lights, even in the daytime.
If you have ever gone looking at builders homes
the lights are always on, always. Turn off
noisemakers such as the tv or dishwasher. Tune
in the stero to easy listening, something neutral
and make sure it is on low volume!

If possible, set your dining room table with your
best linens and china. Make sure all the beds are
made with your best spreads or comforters. Put all
toilet seats down and put out brand new towels.
Don't forget the hand towels and guest soaps.

Spray some room freshener throughout the house.
This is especially important if there is a smoker
in the house and make sure all ashtrays are emptied
and out of sight. You might want to simmer some
potpouri if you have time. Take out the trash.
If you have a dog or cat arrange to take it to a
neighbor and be sure to get rid of the litter box!

During the holiday season, use your best decorations
and really go all out. Imagine the family dreaming
on their next holiday season in their new home!

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Please feel free to share this newsletter with your
friends. If you have a suggestion for an article,
please email me directlyand tell me what you would
like to see! mailto:cmc@...
If you would like to read more articles about
buying or selling a home,please visit our website
http://www.creativemortgageco.com/

Til next time. Have a great month.
Cindy

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