Credit Ratings… or how my credit got screwed up…

My credit rating is very screwed up… it’s a 500, out of a possible 1000, I think is the formula and since I don’t buy anything… it’s a mystery how my credit score got to be 500, until I hit upon a discovery. Most of the things relating to our home are in my name. The cellphones, the home phone, the power, pretty much everything. However, Keith pays the bills from his paycheck… or doesn’t pay them as it were. He’s always putting off paying the bills. Or having me call to tell them that we’ll pay them on such and such a date.

Like the cellphone. It’s in my name. But he didn’t pay it last month. And he’s complaining it’s $300. Well, maybe if he paid it every month! He does this with all our bills, pays them every other month, and MY name is on them! Now, am I wrong in assuming that this is the reason MY credit is bad? And his credit is perfect? Nothing is in his name except a few credit cards he has!

What do I do about this?

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