Please listen to that “inner voice” about changing your life to meet another’s needs or your dreams. While we all want to believe what we want to hear….sometimes it takes seeing to believe. Let him prove to you that the situation warrants changing your life. Let him walk the walk and talk the talk.
As a banker who has lived with a self employed “seasonal worker” I can tell you that any delinquency on a jointly reported debt over 30 days will haunt you for the next seven years. Most utilities do not report to the credit bureaus unless they turn an account over to collection. Mortgage or Rent lates are the death knell on a credit report, as are collections and judgments.
To everyone else: Keep the Faith!