<prompt> Human: So Im fairly new to reddit and just lurk around so I hope its okay to post this- I am infuriated at my husband and need some advice. Weve been married 10 years, 4 kids. Im a stay at home mom with no real work experience. Husband works full time and has always worked and made it happen, so to speak, so I could stay home with the kids. Ive always done the budget and he really hasnt ever cared. When we were tight on cash, hell just give me his debit card because he has very little self control and loves buying crap, eating out, paying for other peoples meals and crap- his family wasnt well off at all and its truly an ego thing but for the most part- this set up has worked out for us. I obviously love the guy and this is practically his only fault. Weve always been strapped for cash and never had a credit card but- he got a new job a couple years ago that requires travel, out of pocket for us that is reimbursed. Because the travel is so random and sporadic and often unpredictable- we got our first credit card to help offset the hit it would take to our bank account. But he doesnt travel a lot so he uses the credit card for non work expenses- which isnt what we agreed to and I didnt find out about it till LAST NIGHT. Weve been talking about buying a bigger home- and he just informed me that is credit score is horrible. Its 470 ish. I was seeing red and cant remember the exact number. Its all from not paying student loans and not ever paying the credit card. Last payment was JULY. And the payment before that was February! And its only a 500 limit! The student loans I knew of, but theyre only under his name so he takes or should have taken responsibility for since I cant even talk to the people unless he adds my name on the account, which weve talked about doing but he never does. The student loans were so often in deferment when we were living paycheck to paycheck that I just forgot about them and he just doesnt answer when they call- or the credit card people. I have the log in info now for both accounts and Im now in charge of paying literally every bill we have which is fine but with 4 kids in a tiny 3 bedroom house in a bad area- Im desperate to get out. We could afford a bigger home- hes been making decent income for 2-3 years. But we need his score to be higher. I have a high score but no income. What can I do to fix it? How long about will it take? the student loan website says we owe around 1200 for the minimum payment total is 16k and I cant pay that minimum all at once. The credit card because of late fees has a balance of 775 200 due immediately- which I paid last night after all our bills and groceriesgas we have about 900 left every month to throw in savings or random things the kids or house need- the house is really old and weve been saving money for repairs that come up- so we dont have a lot in savings but I could put 400-600 a month towards this debt and make the house work and the kids clothed, etc. Im just at a loss on what to do. And wanting to get those negative marks off ASAP which might not be possible but Im hoping theres something Im not thinking off.  <response>: Why on Earth do you think you can afford a more expensive home when you cant even pay your current bills? Take the card away from him. He gets a cash allowance. When he has to travel, you can give him the card for that then get it back or he can pay cash. Im sorry you married someone would irresponsible who doesnt care about the future of your family. 