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 Dear Terry,
A year ago my husband and I bought a car "for
me." I had no credit history at that time
so they used his name on a loan and on a title,
too. I am driving the car and he wants me to pay
for it. I can and I would, but my name is nowhere
on the record, so I won't get any credit for it.
I want to know how and where to get the car under
my name. My credit history now is good but a little
low -- score around 620.
-- Jenny
 Dear
Jenny,
You have a couple of options: You can approach
the lender and see if you can get listed as co-owner
and borrower on the vehicle, which would then
show up on your credit report.
The other option, which is probably
more likely, is that you could refinance the vehicle
under your name alone or as a joint loan with
your husband. Doing it under your name alone will
likely mean a higher interest rate because of
your relatively low credit score, but it may be
worth it to begin building your credit file.
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