Credit care: Wife's bad credit doesn't have to ruin her husband's

Q: When I was in college in 2005, I let a credit card go into collections. When I left college a year later and joined the military, I found that my student loans went into collections. I contacted these agencies and paid off all the debt I have. My credit score is currently 625 and my husband's is in the mid-700s. Most of the bills are in his name, and the ones I have are not on my report.

Wife's Bad Credit Doesn't Have to Ruin Her Husband's

Once negative accounts are removed from your credit reports, your credit score will be based on the current and positive accounts that you have.

Transcript of the State of the Union

Mr. Speaker, Mr. Vice President, members of Congress, distinguished guests, and fellow Americans:

Full text of President Barack Obama’s 2012 State of the Union address

THE WHITE HOUSEOffice of the Press SecretaryJanuary 24, 2012

Full Text: State of the Union

Below is the full text of tonight's State of the Union address released by the White House: