@Sharad BagriI would open a bank account at a local bank or credit union that will lend on the properties you are buying.

I use mysmartmove.com for the credit checks and background checks.

Credit unions are often more flexible.

When you say credit partnership, are you talking about someone loaning you money?

They'll want all the normal stuff; bank account info, LES for several months, hard credit check, etc.

HI Abigail,Acquiring a loan, lenders always look into 3 metrics Income/Assets/Credit.

Aloha,Keep in mind, NO credit is usually far better than BAD credit...and credit is only one element of your screening criteria.

@Brandon StainesOption 1: do nothing you stay on mortgage and good is you still own 50% of house but bad is if she defaults then it hurts your credit tooOption 2: have her buy you out but that would require a new mortgage at a much higher rateNot much else you can do.

Lending is tough, you need to know the market you're lending in, usually you want to have an understanding of credit-risk and be able to pull credit and run background to get a better read on your borrower.

@Sandra Ho, It sounds like you are talking about late payments on their credit report for things like credit cards, car payments, student loans, etc.