Credit question..Plz help!

>typical /biz/ poster

I still need help

>>1797132
First of all, you have a lot to learn, young grasshopper.

You will never affect either of your credit scores.

What situations you may run into is if you wanted to buy a house together, for example. You may buy the house under her name, under your name, or together. If you buy together, the underwriter will consider both of your income and use the least of your credit scores, which would you you, son.

However, if she makes enough money to get the house you want, the mortgage underwriter can simply look at her credit score and her income ALONE, and decide to go through with the mortgage.

Short answer, your credit score disparity doesn't mean anything until you try to finance something against a combined income. As soon as you try to get your paycheck/dollars involved, your credit comes into scope. If she makes enough to do something on her own without your income, then they would only consider her credit score.

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10KB, 225x225px

Thank you so very much great Confucius..

>>1797193
I just realized there were two questions, but I think I answered it already. Credit scores are judged on individuals. You can absolutely have no impact on each others scores unless you get in on something together and both fuck up the same note. Prior history is irrelevant.

Again, thank you so very much. This is definitely refreshing compared to / b/.. lol

>>1797204
You got it. I come here once every 3 months or so, guess today was your lucky day.

I actually was thinking about a similar issue

Thanks

>>1797210
Kek. Actual advice on my cripto containment board? OUT OUT OUT.

...i'll second this info. Had 420kek score and wife had no credit. Now we do everything to gether and headed to 800