Wow. People really are NOT helpful. I should just STOP talking to people, post in here only and listen to myself. Every time I open my mouth, I'm getting bad advice. Now I'm hearing, let him ruin your credit. Who cares? Better to be out of a toxic relationship. WTF? I am NOT letting him ruin my credit!!!!!!! It's practically ALL I have to survive in this world. People are truly unbelievable.