Sometimes one spouse will sign the other’s name. Most times, this is consensual; however, there are times where it is nonconsensual and the other spouse had no idea it was done. This can come to a head when a divorce action ensues. New York is a no fault state, which means that courts do not “punish” parties of a divorce …
So What’s Your Number? The ABC’s of FICO’s
I receive a lot of questions from clients regarding credit scores. I think a primer on FICO’s would be appropriate. There are three credit reporting agencies (“CRAs”): Equifax, Experian, and TransUnion. I recommend reviewing your credit report annually from each of the three CRAs from www.annualcreditreport.com (as opposed to freecreditreport.com which actually charges you to obtain your credit report instantaneously). …