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You and your spouse are considered to be two separate entities as far as credit goes. However, you
have the right to have each other's credit information appear on each other's credit reports.

When you have good Credit Score and your spouse has poor Credit Score

Request for credit reports to be merged

If you have good Credit Score and your spouse has poor Credit Score, you can help your spouse's credit by having your information appear on your spouse's Credit Report. To merge your Credit Report with your spouse's Credit Report, you need to use the Letter Requesting Merger of Spouse's Report to request the credit agency to do this.

Request for credit reports to be separate

You also have the right to have each other's negative credit reports removed from each other's credit files. If your spouse has terrible credit and it shows up on your Credit Report, you need to request that it be
removed from your Credit Report. Then you can use your good credit to apply for loans and credit cards
that can benefit you both. In order to request negative Credit Report to be removed, you need to use the Letter Requesting Individualization of Credit Report.

Disputing Credit Report items

If you are unclear about anything on your own Credit Report, do not hesitate to call the company that prepared it. Credit reporting agencies are not your creditors, and they will not harass you for money if you call them. Call and ask for an explanation of whatever you do not understand.

How often should I check my Credit Report and Credit Score?

Generally, you should check your Credit Report at least once a year. However, it is advisable that you check your Credit Report once every quarter.

How much does a Credit Report cost?

Your Credit Report will cost you around $10. The amount varies from state to state. It costs a little more to obtain your Credit Score or your FICO Score with your Credit Report. Your FICO Score or Credit Score is very important when you apply for any financing.

How and where to order my Credit Report?

You can order your Credit Report from each of the three major credit bureaus:

• Experian
• Equifax
• TransUnion

You can call the credit bureaus to order a Credit Report as follows:

• Experian: 1-888-397-3742
• TransUnion: 1-800-888-4213
• Equifax: 1-800-685-1111

You can also order your credit reports by mail:

Experian
National Consumer Assistance Center
P.O. Box 2002
Allen, TX 75013-2002

TransUnion Corporation
Consumer Relations Center
P.O. Box 10000
Chester, PA 19022

Equifax Credit Information Services
P.O. Box 105873
Atlanta, GA 30348

Alternatively, you can also order your credit reports from the credit bureaus' website.

Question: How many credits will this get me in college?

Just got my AP scores. This is my report for all exams taken. I will be taking six more next year.

European History- 5
US History- 5
Calculus AB- 5
Psychology- 5
Chemistry- 4
Biology- 3
(Back-to-backer was murderous)

Taking calc bc, comp science a, physics, world history, us gov, and english lang next yr.

How many credits will this get me at an ivy or other top 20 schools? How bout after next yr?

Answer: You can go to any college web site and see what AP subjects they accept, what score is needed and what credit they give.
Ivy league schools accept very few AP

from the Yale web site:
none for history-none they do not take this subject
1 credit for calc. AB
psych-none-they do not take this subject
chemistry-none you need a 5
biology-none you need a 5

All history - none is taken
Comp science- 4 or 5 on the AB test- 1 credit
physics- 4/5 on the C test for 1 credit- if you score 5 on the calc bc plus physics you will get 2 credits
english-5 will get you 2 credits.

check out a state school, they may give a lot more credits for AP exams and accept more AP subjects

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