Sue, for the only reason I haven't tried sending a check to you to help you out, is that I am not old enough to legally sign a check
It seems more and more that the best option is to go to California. But I think that I have got a strategy to go through once you get to California.
Credit Bureaus often don't care wether you work or not if you have got a very, very good credit history. Now, your credit history, although not impossible to rebuild, it is hard, very hard.
In your hubby's case its easier to rebuild. Once you get there sit back and relax a while, forget a bit about all the bad things and rest a few months.
After that you should try to get, under your hubby's name one of those store credit cards. Many stores who offer their own credit lines, such as Sears, JC Penny, and Kmart, to name a few do not have as strict requirements as would American Express or a Mortage lender. So he would be able to get one. Take one from a store where you buy regularly. (If you buy a lot in Kmart, and never stepped inside Sears then get one from Kmart and forget Sears)
Once he has that then you two should use it regularly with things that you buy from the store, but only things that you could buy with cash if you needed to, not things that you cannot pay in a single payment. Make sure to pay off the debt every month. If possible and you think you can manage it, get two store cards, but not more. you don't want to make it hard to track your debts.
After six months or a year, then your hubby, ought to be able to get a secured Mastercard. A secure credit card is one that you have to have a deposit in the bank which equals the spending limit of the credit card, so that if you don't pay the bank takes hold of the account as collateral. Try applying for a secured Master Card. If he gets it, then keep using it the same responsible way you were using the store cards. If he does not get it, keep using the store cards to get a good credit history for him and within a few months apply again.
Due to the problem that he has not worked in a long time, he could try getting a job, even if itâ€™s a part time job, he has a steady, legal income which will put the creditors cooler.
Once you are in your feet financially, and can afford to, that credit history will allow you to get housing and such under his name.
What do you think of the idea?