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Three years ago, I was terribly delinquent on a car loan and had to go to parents for help. The loan was paid off, but the damage was done.

Since then I have married, and I have used my spouse's credit cards, and her good credit to lease a car in her name. All credit cards are in her name. However, we did buy a house using my Veterans benefit and have been paying it off religiously from our joint checking account for the past seven months. The VA loan is in both our names.

Does anyone have advice on how I should go about repairing my personal credit rating? I want to have a positive credit rating on my own.

Thanks in advance.
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