Credit Rating For Spouse

by Canadian Friend

Regarding Credit Rating For Spouse: My husband has great credit and I don't. Can he apply for the mortgage in his name only? We are in Canada if that makes any difference.

Kate Answers: Credit Rating For Spouse

Dear Canadian Friend, I am glad you are proceeding with buying a house in spite of your credit rating. I imagine just like in the states, you can find a great real estate deal now.

I wish I knew more about Canadian mortgages because I am getting more and more questions from Readers up north! So while I can't answer to specific programs, I can say if it is anything like here, the government related programs (like our FHA and VA) may make it more difficult due to your credit history.

So please, will you do two things? First find your best local mortgage lender and get preapproved for a home loan.

Here are tips to Compare Mortgage Rates And Lenders
and The Importance Of Mortgage Pre Approval.

Secondly, I have provided links to credit help below for your convenience. Even if you and your spouse can buy a house solely in your husband's name, for the long term, you can and should work on improving your own credit.

How To Build, Strengthen and Recover YOUR Credit

"Can I do a Mortgage Loan Modification myself?" The answer is yes. But find out the first question you really should be asking.

Quick Facts on Credit History and Credit Scoring - How To Contact Major Credit Reporting Agencies

Improve Credit Rating - Calculate how much you save with improved credit.

Six ways to fix your credit score. Have you seen your credit score? Your lender has and it can determine your interest rate. Get yours online in seconds. Do it now!

Last year, Wilson improved his credit. This year, he discovered protecting his identity involves credit report monitoring. Take control of your life by protecting your credit scores. Don't suffer the consequences of another person's behavior.

Ten step plan to getting your credit in shape - Fixing Bad Credit

Refinancing With Bad Credit - How to avoid a future filled with credit problems

Saving your home - 8 Strategies To Stop Mortgage Foreclosure

Ask Kate About Credit - Ask a question to get an answer from Kate.

Credit Rating Q and A - Find questions and answers relating to credit improvement, true life stories about mortgage credit, and credit repair information.

After reading through the pages, please let me know if you have more questions.

Take a moment to bookmark Credit Rating For Spouse to your favorites and visit often for more credit and home buying tips. You can also invite friends to comment on this page or ask another question of their own like you did.

Best Wishes,






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