Moses is alleged to have received the 10 commandments on a mountain top, Now a new voice has been added from the Tower of FICO and the ordinary way of doing things has changed.

A successful marriage has always required astute planning, particularly financial. From years as a marriage counselor, it is my experience that the major hurdles are sex and money but not necessarily in that order. . And interestingly enough I required that any participant in the Marriage Symposium I sponsored be married a minimum of five years. This is an arbitrary figure determined by myself I have found that those married over five years have different problems than those married less. After five years the romanticism has flowered and the reality of spending your life with someone sightly different from the one I married has begun to come crashing down.

But these new FICO rules are raising havoc with married couples as well as with partners and live-ins.. For years it has been common practice to include one’s spouse as an authorized signatory on the other spouse’s credit cards.

At first blush, it seemed so romantic - signifying the oneness of our union. Then it became a practical matter. Put the spouse on the gasoline credit card so each could purchase fuel for his/her car at one’s leisure. Read More